Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to address multiple inaccuracies on my credit report despite my repeated communications, including certified mail sent directly to their dispute resolution department. These inaccuracies include accounts resulting from identity theft, duplicate accounts, and outdated or incorrect information. Experian has neglected their obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and correct these errors within the legally required 30-day timeframe, causing significant harm to my creditworthiness and quality of life : XXXX. XX/XX/XXXX : Sent certified mail to Experian disputing the following accounts : - XXXX XXXX : Paid in full over seven years ago and duplicated on the report. 
- XXXX XXXX : Duplicate auto lease account marked as " paid, closed, '' with no status update for over four years. 
- XXXXXXXX XXXX XXXX Settled account incorrectly reflecting as " written off '' rather than " paid in full. '' XXXX. XX/XX/XXXX : Received no response or confirmation from Experian regarding the disputes, violating the 30-day investigation requirement outlined in the FCRA. 

XXXX. XX/XX/XXXX : Sent a second certified mail request to escalate the dispute and demand correction of inaccuracies. Experian has continued to ignore my communications. 

XXXX. XX/XX/XXXX : Sent another certified letter outlining the same disputes and emphasizing their ongoing violations of the FCRA. This letter included detailed documentation for each disputed account, again demanding corrections within the legally mandated timeframe. 

XXXX. XX/XX/XXXX : Sent a follow-up demand letter reiterating the unresolved disputes and warning Experian of impending legal action and a report to the Federal Trade Commission XXXX FTC ) due to their continued inaction. This letter included further documentation of the harm caused by their negligence and explicitly demanded immediate corrections and compliance with the FCRA. 

Impact on my life : The failure to address these inaccuracies has resulted in : - Denials for credit applications, preventing me from obtaining financing to improve my living conditions. 
- Denials for housing applications or increased security deposits due to inaccurate credit reporting. 
- Higher insurance rates based on erroneous credit data.

Experian 's negligence in maintaining accurate information and responding to disputes has caused ongoing financial and emotional distress.

Experian directed me to contact their 800 number to dispute inaccuracies on my credit report. However, this number does not facilitate filing a proper dispute, nor does it allow for uploading supporting documents. Attempting to dispute fraudulent accounts online redirects me back to the same 800 number, creating a frustrating loop that prevents me from efficiently resolving these issues. This process is less responsive compared to other credit bureaus and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies provide reasonable procedures for consumers to dispute and correct inaccurate information.

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