Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
Subject : Dispute Regarding Improper Investigation of Credit Report Errors- Account Number : XXXX To : Experian Consumer Services Dear Experian Representative, I am writing to formally dispute the results of an investigation conducted by Experian regarding my credit report, specifically concerning the following : XXXX XXXX XXXXXXXX XXXX Account number XXXX, Balance $ {$2700.00} XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance : {$690.00} XX/XX/XXXX XXXX Account XXXX XXXX XXXX Account number XXXX {$470.00} These are not my accounts or accounts that I dont know of. My information has been breached through a couple of companies of companies and I sent over proof of that and also asked for contracts with my signature or my identification it showing proof i signed up for service. Also asked for a 1099 C since it is write off to irs on taxes. 

I also reported addresses and names that are not mines and that were most likely used for fraudulent activities. Experian still have not updated any information referring towards what i disputed. Also hard inquires. I have to always call in to experian to dispute majority of anything and cant do it online even inquiries. These inquiries I did not do as follows and most likely due to identity theft. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX Credit card with XXXX  Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Lease on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit card with XXXX  Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I believe Experian did not conduct a thorough and proper investigation into these disputed items, failing to adequately verify the accuracy of the information with the original creditors, despite providing clear documentation supporting my claims of errors. 
Reasons for Dispute : Lack of Contact with Creditors : Experian did not attempt to contact the creditors associated with the disputed accounts to verify the accuracy of the information, despite my providing clear evidence such as supporting documents I submitted like payment receipts or account statements and security breaches that companies sent to me that my personal information have been compromised. 
Insufficient Verification Process : The investigation process used by Experian did not appear to include a comprehensive review of the information provided, leading to an inaccurate conclusion regarding the disputed items. 
Failure to Address Concerns : Despite raising concerns about the validity of the information, Experian did not adequately address my specific issues and simply re-verified the existing inaccurate data on my credit report. 
Request for Action : I request that Experian immediately re-investigate the disputed items on my credit report, this time conducting a thorough and diligent investigation that includes direct contact with the creditors and a comprehensive review of all relevant documentation I have provided. 
Please update my credit report to reflect the accurate information, removing any inaccurate or unverifiable items from my file within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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