Consumer complaint received 2025-01-20 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: NC

Complaint narrative:
To Whom It May Concern : I am filing this complaint regarding Experians failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) in investigating disputes I have submitted regarding inaccurate information on my credit report.

Experian has engaged in practices that has undermined my dispute resolution process, including : Conducting inadequate and superficial investigations of my submitted disputes. 

Mischaracterizing the nature of my disputes by using generic or incorrect dispute codes on Automated Credit Dispute Verification ( ACDV ) forms.

Failing to properly consider detailed evidence provided by me, such as documentation proving errors to remove information.

Providing me with outcome letters that are ambiguous, incorrect, and inconsistent. 

I have filed multiple disputes with Experian concerning inaccurate information on my credit report. Despite providing detailed supporting evidence for these disputes, Experian either failed to correct the errors or reverted to the incorrect information without justification. 

I have personally experienced these violations in multiple disputes I filed with Experian through the CFPB, including the following : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian has engaged in systemic practices against me that violate the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute.

15 U.S.C. 1681i ( a ) ( 4 ) Failing to review and consider all relevant information provided by the consumer during the dispute process.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete or modify inaccurate or incomplete information after conducting a reinvestigation.

15 U.S.C. 1681g ( c ) Providing dispute outcome letters that are ambiguous, incorrect, or inconsistent, thereby failing to adequately inform consumers of the results of the reinvestigation.

As a direct result of Experians failure to address these inaccuracies : I have been denied credit applications on several occasions.

I have been subjected to higher interest rates on credit products, which have caused financial strain and impacted my ability to manage my obligations effectively.

These outcomes have caused significant harm to my financial well-being and personal stability.

I am requesting the CFPBs intervention to ensure that Experian complies with the FCRA, including : Conducting a proper reinvestigation of my previous disputes with full consideration of the evidence I have provided.

Providing me with clear and detailed explanations of the actions taken during these investigations.

Deleting inaccurate information on my credit report. 

Implementing measures to prevent such practices from continuing in the future. 

I believe Experians practices constitute a clear violation of federal law, and I urge the CFPB to take appropriate action to protect me from further harm. 

Thank you for your attention to this matter. 

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