Consumer complaint received 2025-04-06 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: NJ

Complaint narrative:
Dear Sir/Madam, I am filing a formal complaint regarding the inaccurate reporting of my credit information by Experian related to accounts from XXXX XXXX XXXX XXXX Despite my repeated efforts to dispute these entries, they remain on my credit report, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards for accuracy and completeness. 

Details of the Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with missing key data points ( such as high balance, scheduled payment, date of first delinquency, etc. ), violating Metro 2 compliance standards. These inaccuracies remain on my credit report despite multiple disputes. 
Experian has failed to accurately investigate the disputed information and make the necessary corrections in accordance with FCRA Section 611 ( a ). 
Despite filing disputes with Experian, these accounts remain unresolved and continue to appear on my report. This has caused significant financial hardship, including denial of housing and denial of credit for car loans. 

Damages Incurred : Housing Denial : I have applied for three apartments in the past 6 months and have been denied each time. I have had to pay {$75.00} per application to apply, totaling {$220.00} in application fees, only to be rejected due to the inaccurate reporting on my credit report. 
Car Loan Denial and Rental Costs : Due to my credit report containing these inaccuracies, I have been denied approval for a car loan, despite making consistent efforts to secure financing. As a result, I am forced to spend {$600.00} per month on car rentals. This is a substantial financial burden that could have been avoided had my credit report been accurate. 
Increased Financial Strain : The ongoing issue with Experian has caused significant financial strain, including higher-than-necessary housing and transportation costs. The damage to my credit and the repeated denials have prevented me from moving forward with my personal and financial goals. 

Requested Resolution : Immediate Removal of Inaccurate Accounts : I request that Experian promptly remove the accounts from my credit report, as they are not in compliance with Metro 2 or FCRA guidelines. These accounts have been reported with critical missing information and are in violation of credit reporting standards. 
Proper Investigation and Re-Reporting : I request that Experian follow all FCRA requirements for investigating and correcting inaccurate credit information. If these accounts are found to be inaccurate after investigation, they should be removed and not reported again. 
Compensation for Damages Incurred : I request that Experian or the involved parties compensate me for the {$220.00} in application fees for the denied apartment applications and the {$600.00} per month that I am spending on car rentals due to being unable to obtain a car loan because of this inaccurate reporting. 
Refund of any Associated Damages : If this inaccurate reporting has caused any further financial harm, I request reimbursement for these damages.

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