Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear CFPB : I am writing to formally file a complaint against Experian for failing to properly investigate disputes on my consumer credit report. Despite numerous attempts on my part to resolve inaccuracies, Experian has consistently updated the disputed accounts as accurate without providing any documentation or details about the steps taken to confirm their accuracy. 

Over the past several months, I have called Experian multiple times to dispute incorrect accounts on my credit report. During each interaction, I requested that they conduct a thorough investigation and remove the inaccurate information. However, Experian has failed to : Properly investigate my disputes and provide me with detailed results. 
Share the steps or evidence used to confirm the disputed accounts as accurate. 
Address my concerns and correct the errors, which continue to harm my credit profile. 
In some cases, accounts I previously disputed and were removed have inexplicably reappeared on my credit report under different furnishers without any explanation or notification. This repeated reinsertion of inaccurate information has caused unnecessary stress and difficulty for me in accessing credit and financial opportunities. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to conduct meaningful investigations and to notify consumers of the outcomes. Based on my experience, it is evident that Experian has failed to meet these legal obligations. 

I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for unlawful practices, including sham investigations, improper handling of consumer disputes, and reinserting inaccurate information into credit reports. My personal experience aligns with the allegations in this lawsuit, and I respectfully request your assistance in addressing my concerns. 

I kindly ask the CFPB to : Investigate Experians handling of my disputes. 
Require Experian to provide documentation showing the steps taken to confirm the accuracy of the disputed information. 
Ensure Experian takes corrective action to remove inaccurate information from my credit report. 
Impose any necessary penalties on Experian for their failure to comply with federal consumer protection laws. 
Please find attached any relevant documents, including copies of my dispute letters, correspondence with Experian, and credit reports showing the disputed accounts. 

Thank you for your time and attention to this matter. I hope that the CFPB will take swift action to ensure that Experian is held accountable for their unlawful practices and that consumers like me can have confidence in the accuracy of their credit reports. 

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