Consumer complaint received 2025-01-11 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: NV

Complaint narrative:
Subject : Complaint Against Experian for Non-Compliance with FCRA ( 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ) ) Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681e ( b ), 15 USC 1681s-2 , 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). My experience aligns with the issues highlighted in your recent lawsuit against Experian for sham investigations of credit report errors and systemic non-compliance with FCRA standards. 

# # # Background of the Issue : On [ insert date ], I submitted multiple disputes to Experian regarding numerous inaccuracies on my credit report. Despite providing clear evidence, Experian : 1. Failed to conduct a reasonable investigation of my disputes. 
2. Maintained inaccurate information on my credit report in violation of FCRA standards. 
3. Did not properly report my disputes to creditors. 
4. Reinserted or failed to remove erroneous information without notifying me as required by law. 

These actions have directly harmed my creditworthiness, limiting my ability to access credit, housing, and other financial opportunities. 

# # # Examples of Inaccurate Accounts : Below are examples of inaccurate accounts that Experian has failed to address appropriately despite multiple disputes : 1. XXXX XXXXXXXX XXXX - Account # : XXXX - Due : {$0.00} - Balance : {$10000.00} 2. XXXX XXXX XXXX - Account # : XXXX - Due : {$0.00} - Balance : {$710.00} 3. XXXX XXXX XXXX XXXX Account # : XXXX - Due : {$440.00} - Balance : {$440.00} These accounts contain numerous inaccuracies, including incorrect balances, statuses, and reporting errors. I demand their immediate removal. 

****Reference to Recent CFPB Lawsuit : I am aware of the CFPBs recent legal action against Experian, which revealed the following systemic issues : - Sham investigations of consumer disputes. 
- Failure to properly report and remove credit report errors. 
- Re-insertion of erroneous information without notifying consumers. 

****This lawsuit validates my concerns and underscores Experians disregard for consumer rights. 

A ) Requested Resolution : I request the CFPB to : 1. Investigate Experians handling of my disputes and ensure compliance with FCRA standards. 
2. Require Experian to provide a detailed explanation of their investigation process for each disputed item. 
3. Mandate the immediate correction or removal of inaccurate information on my credit report. 
4. Impose penalties on Experian for their non-compliance, as appropriate. 

B ) Supporting Documentation : I have attached the following documents to support my complaint : - Copies of dispute letters sent to Experian. 
- Responses ( or lack thereof ) from Experian. 
- Evidence of inaccuracies in my credit report. 
- Any additional correspondence regarding this matter. 

Impact of Experians Negligence : Experians failure to uphold their legal obligations has caused significant harm to my financial stability, including denial of credit and increased borrowing costs. This negligence has further delayed my ability to achieve financial goals, such as purchasing a home. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Respectfully, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX

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