Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX " Complaint Regarding Experian 's Failure to Investigate and Correct Credit Report Errors '' " I am submitting this complaint due to Experians failure to properly investigate and correct errors on my credit report. I have sent multiple dispute letters to Experian under 15 USC 1681i ( 5 ) requesting that they correct inaccuracies, but they have failed to adequately address these issues. Despite my repeated attempts, Experian has not complied with my legal rights, including requirements under 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681c ( c ). Recently, I became aware of the CFPB 's lawsuit against Experian regarding similar violations, and I believe my experience mirrors the actions being taken by the CFPB in their legal proceedings. '' Details of the Violations : Failure to Investigate Disputes ( 15 USC 1681i ) : Explain that when you disputed incorrect information, Experian did not perform a reasonable investigation. If there were any examples where Experian simply reinserted old inaccurate information, mention those. 
Failure to Correct or Remove Errors ( 15 USC 1681e ( b ) ) : Detail instances where Experian did not correct or remove errors after being notified.

Reinsertion of Errors ( 15 USC 1681c ( c ) ) : Mention any cases where you found old errors reappearing on your credit report despite your disputes.

Possible Harm : Explain how these issues have impacted your ability to access credit, housing, or employment opportunities. 
Example : " Despite my clear disputes regarding incorrect account information and previous credit inquiries, Experian failed to investigate these disputes properly, resulting in unresolved inaccuracies remaining on my credit report. Additionally, I have observed that some previously disputed negative marks were reinserted without my consent or proper investigation. As a result, I have faced negative impacts on my ability to obtain credit, housing, and employment opportunities. '' " I understand that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to conduct proper investigations into credit report disputes, as well as for the reinsertions of inaccurate information. This lawsuit specifically addresses the same types of violations that I have experienced, including sham investigations and wrongful reinsertions of negative information. I believe that my case exemplifies the issues outlined in the CFPB 's lawsuit and should be investigated further. '' Request for Action : A thorough investigation into Experians practices with your credit report. 
A correction of the inaccuracies that remain on your report. 
Compensation for any damages caused by the inaccuracies ( if applicable ). 
A review of your credit report to ensure that it is in compliance with the law. 

" I respectfully request that the CFPB investigate Experians actions in handling my credit report disputes, ensure that the inaccuracies are corrected, and take appropriate action to hold Experian accountable for its failure to comply with the requirements of the Fair Credit Reporting Act. Additionally, I request that any negative impacts on my credit be rectified and my credit report accurately reflect my financial history. '' " I appreciate your attention to this matter and look forward to a resolution. I am available to provide any additional information needed to support my claim. '' Complaint Regarding Experian 's Failure to Investigate and Correct Credit Report Errors Complaint Details : XXXX XXXX XXXX XXXX XXXX cell XXXX Date of Dispute : XX/XX/XXXX Nature of Dispute ( s ) : Incorrect account information XXXX XXXX date : XX/XX/XXXX {$1100.00} XXXXXXXX XXXX XXXX  date : XX/XX/XXXX {$14000.00} Inaccurate credit inquiries XXXX XXXX date XXXX XXXX XXXX XXXX XXXX  date : XX/XX/XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX date : XX/XX/XXXX Reinserted negative marks Description of Issue : I have made multiple attempts to dispute inaccurate information on my credit report with Experian, but they have failed to investigate my disputes properly. Despite my clear requests under 15 USC 1681i ( 5 ), Experian has not conducted a reasonable investigation and has reinstituted incorrect information. These actions have caused harm to my creditworthiness and my ability to obtain credit, housing, and employment.

Additionally, I was informed that the CFPB has filed a lawsuit against Experian for similar violations, and I believe that my experience reflects the systemic issues outlined in the CFPB 's case. Experians actions appear to be part of a broader pattern of failing to comply with FCRA requirements, including 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681c ( c ).

Requested Resolution : I request that the CFPB investigate Experians practices with my credit report disputes, correct the inaccuracies that remain, and ensure that Experian is held accountable for failing to comply with the Fair Credit Reporting Act. I also seek compensation for any damages resulting from this failure. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX  cell #

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation