Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
I am filing this complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I am bringing this to your attention because Experian has failed to conduct proper investigations into disputed items on my credit report, and in some cases, has failed to remove or has reinserted inaccurate information despite my formal disputes.

Details of the Issue : Inaccurate Information on My Credit Report : I noticed that there are inaccurate or outdated entries on my Experian credit report that need correction. 
Dispute Process : In XX/XX/year>, I submitted formal disputes to Experian regarding these inaccuracies. I followed all required steps to notify Experian of the errors, providing supporting documentation as necessary. 
Experians Failure to Properly Investigate ( 15 USC 1681i ( 5 ) ) : Despite my efforts, Experian failed to properly investigate the disputed items, as required by 15 USC 1681i ( 5 ). According to this law, the credit reporting agency must thoroughly investigate disputes and correct any inaccuracies. However, Experian failed to conduct any meaningful investigation or resolve the discrepancies on my report.

Failure to Comply with Reporting Requirements ( 15 USC 1681e ( b ) ) : Under 15 USC 1681e ( b ), Experian is obligated to maintain reasonable procedures to ensure the accuracy of the information it reports. The continued presence of these inaccuracies on my report indicates that Experian is not following reasonable procedures to ensure data accuracy. 
Failure to Remove/Reinsert Inaccurate Information ( 15 USC 1681s-2 , 1681c ( c ) ) : Despite my disputes, Experian has either not removed or has reinserted erroneous information on my credit report. As per 15 USC 1681s-2, this is a direct violation of the law, which mandates that credit reporting agencies take steps to ensure that only accurate information is reported. Additionally, under 15 USC 1681c ( c ), outdated information should not remain on my report after the statutory period.

Impact on Me : The failure to address these issues has caused significant damage to my credit score, which directly affects my ability to access credit, secure housing, and gain employment. I have been negatively impacted by Experians inaction, and I am seeking corrective action immediately. I respectfully request that the CFPB investigate Experians actions and enforce compliance with the FCRA. I trust that the CFPB will take this matter seriously and work to ensure that Experian complies with all relevant laws. I believe that I am entitled to the protections afforded by the FCRA and request that immediate action be taken to address these violations. 

Please feel free to contact me if you require any additional information or documentation to support this complaint. 

Sincerely, 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