Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
From : To : XXXX XXXX XXXX Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX ] XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX of XXXX in the year XXXX of our XXXX and XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Blessings to you, I am writing today to formally dispute inaccurate and misleading information on my Experian credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. Despite previous disputes, Experian has failed to correct or remove the information listed below. 
Disputed Information : Incorrect Name : XXXX XXXX XXXX. 
Correct Name : XXXX XXXX XXXX ( as shown also on XXXX and XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Onemain Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard Inquiry : Unauthorized inquiry from XXXX on XX/XX/XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, Experian is legally obligated to ensure the maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Experian must also delete or correct information that is inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian ( XXXX XXXX XXXXXXXX ) for repeatedly violating these obligations by : Failing to conduct reasonable re-investigations into consumer disputes. 
Over-relying on furnishers responses without verifying accuracy. 
Not providing consumers with clear and accurate dispute results. 
I am experiencing the same failures in Experians dispute process, which directly violates the FCRA and mirrors the CFPBs allegations. 
Furthermore, due to the inaccurate reporting of these negative accounts, I have been adversely affected by being denied extensions of credit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as shown in the attached copies. I believe that Experians actions have caused me damages, including punitive damages, statutory damages, actual damages, reputational harm, emotional distress, and XXXX, and I request compensation for these losses. I reserve the right to pursue further action, including litigation, if this matter is not resolved to my satisfaction. 
Corrective Action : Immediate correction or deletion of these inaccurate accounts and personal information. 
Written confirmation that Experian failed to comply with the FCRA and that these corrections have been made within 30 days. 
Removal of the unauthorized hard inquiry that lacks permissible purpose. 
Assurance that corrective measures have been implemented to prevent future violations. 
Enclosures : Copies of denials from the aforementioned banks. 
If these inaccuracies are not corrected within 30 days of receipt of this notice, I am prepared to escalate this matter through litigation and not arbitration due to these disputes arising from the FCRA and arbitration does not cover these violations as stated in Experians arbitration agreement, any dispute you may have with us arising out of the Fair Credit Reporting Act ( " FCRA '' ) relating to the information contained in your consumer disclosure or report including but not limited to claims for alleged inaccuracies, shall not be governed by this agreement to arbitrate. 
Please provide written confirmation of receipt of this letter and your intended actions. I can be contacted at XXXX or at the address listed above for any additional information. 
Thank you for your prompt attention to this matter. 
Sincerely in equity and good faith, 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