Consumer complaint received 2024-09-23 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: IL

Complaint narrative:
I, XXXX XXXX, am experiencing significant negative impacts on my credit score and financial stability due to numerous inaccuracies on my credit reports provided by XXXX, Experian, and XXXX. Despite my efforts to resolve these issues directly with the credit reporting agencies, the discrepancies remain unresolved, which has caused me ongoing financial harm, mental stress, and the inability to secure credit for essential purchases such as a vehicle for my family. 

The following are the accounts disputed and the specific issues with each, XXXX ( Account Number : XXXX ) ** Discrepancies in the date the account was opened, high credit limits, and credit limits reported. 
Requested Action : Verification of the opening date, high credit, and credit limit. 
XXXX XXXXXXXX ( Account Number : XXXX ) ** Inconsistencies in high credit, account closure status, and date last active. 
Requested Action : Confirmation of high credit, closure status, and last active date. 
XXXX XXXX XXXX ( Account Number : XXXX ) ** Different reported high credit, credit limit, and account numbers, along with incorrect last payment date. 
Requested Action : Clarification of high credit, credit limit, and correct account number. 
XXXX XXXX XXXX ( Account Number : XXXX ) ** Inconsistent last payment date, high credit, and account status. 
Requested Action : Verification of high credit, payment status, and account number. 
XXXX  XXXX ( Account Number : XXXX ) ** Incorrect date of last active and last payment. 
Requested Action : Validation of last active date and last payment date. 
XXXX ( Account Number : XXXX ) ** Multiple charge-offs reported on the same account and incorrect high credit values. 
Requested Action : Correct high credit values and ensure only one charge-off is reported. 

Their response to my concerns were inadequate. 
Experian 's Responded they claimed that the disputed information was verified by the data furnishers and stated that the account information was accurate. However, Experian failed to address the discrepancies I raised, such as multiple charge-offs on the same account and inconsistent credit limits and payment dates. 

XXXXXXXX XXXX Responded they verified the accounts in question but provided incomplete or modified information without fully correcting the issues. Their response also failed to address several key discrepancies, such as incorrect credit limits and last payment dates. 

XXXX merely verified the disputed items without addressing the inaccuracies I pointed out. No corrective action was taken on accounts with inconsistent account numbers and payment statuses, further harming my financial stability. 

The unresolved inaccuracies are directly affecting my ability to obtain credit, including being denied for financing on a vehicle and other essential household purchases. This has resulted in day-to-day financial harm, increased expenses due to reliance on alternative high-interest credit options, and emotional stress, including heightened XXXX  and XXXX. My previous disputes to all three credit bureaus have shown where these errors are, yet the errors were not fixed, which shows negligence in the reinvestigation process., see complaint number ( s ) 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