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: VA

Complaint narrative:
Complaint Regarding Experians Alleged FCRA Violations Request for Compensation and Dispute Resolution To Whom It May Concern, I am filing this complaint in light of the allegations outlined in the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian. The lawsuit highlights violations of the Fair Credit Reporting Act ( FCRA ) that have had a severe financial and emotional impact on me as a consumer. I believe Experians mishandling of my credit report disputes has directly caused harm, and I am requesting immediate action to address these issues and provide restitution. 



Details of the Issue According to the CFPB, Experian has violated critical consumer protection laws by : 1. Failing to conduct reasonable investigations into consumer disputes, which is required under the FCRA. 

2. Reintroducing inaccurate or unverifiable information into credit reports without proper verification or notifying consumers. 

3. Failing to provide adequate transparency and explanations to consumers about the handling and resolution of their disputes. 



These alleged actions have affected me personally. Negative accounts I have previously disputed remain on my credit report, and I believe Experian has not fulfilled its legal obligation to investigate and resolve my disputes in a fair and lawful manner. 



Impact on Me Experians mishandling of my disputes and failure to comply with the FCRA have caused : Severe Financial Harm : The presence of inaccurate information on my credit report has resulted in [ e.g., higher interest rates, denial of loans, or housing opportunities ]. 

Emotional Distress : I have experienced ongoing stress, frustration, and XXXX  caused by Experians refusal to properly address my disputes and their lack of transparency. 

Damage to My Financial Reputation : The inaccurate negative accounts on my credit report have unjustly harmed my standing with lenders and other financial institutions. 



Resolution Sought In accordance with the protections and rights afforded to me under the FCRA, I am demanding the following : 1. Financial Compensation : Restitution for the financial and emotional harm I have suffered due to Experians failure to comply with the law. 

2. Immediate Removal of Negative Accounts : Removal of all previously disputed and inaccurate accounts from my credit report, including those Experian improperly reinserted or failed to verify. 

3. Transparency : A detailed explanation of how my disputes were handled and how Experian plans to address its practices to ensure compliance with the FCRA moving forward. 

4. Assurance of Accuracy : A full audit of my credit report to ensure that all information reported by Experian is accurate and verifiable. 



Conclusion Experians violations of the FCRA, as outlined in the CFPB lawsuit, have caused significant harm to me and many other consumers. These actions reflect a serious failure to uphold basic consumer rights and protections. I expect Experian to take immediate corrective action and provide the compensation and resolutions I am entitled to under the law. 



Thank you for your urgent attention to this matter. I look forward to a prompt response.

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