Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Failure to Investigate Submitted Dispute Letters Dear Sir or Madam, I am writing to formally submit a complaint regarding the lack of proper investigation into my disputes by the credit bureaus, Experian, XXXX and XXXX as required by the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. My Social Security Number is [ XXXX ] for reference. 

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, I submitted a dispute regarding inaccuracies found in my credit report to Experian, XXXX and XXXX, specifically pertaining to the following negative items : 1. Identity errors : Wrong name, address, or social security number, leading to accounts belonging to someone else appearing on my credit report ; 2. Account status errors : Accounts listed as open when they actually closed, or vice versa ; 3. Payment history errors : Incorrectly reported late payments, when payments were made on time ; 4. Account duplication : The same account listed multiple times on the credit reports ; 5. Mixed file errors : Accounts belonging to someone with a similar name appearing on credit report ; 6. Data entry errors : Transposed numbers, incorrect dates, or typos in account information ; 7. Credit limit errors : Incorrect credit limit listed for accounts ; 8. Balance errors : Inaccurate current balances reported on accounts ; 9. Collection errors : Incorrectly reported debt in collections, including outdated or already paid debts ; 10. Bankruptcy errors : Inaccuracies in the date or details of bankruptcy filing ; 11. Inquiries errors : Credit inquiries listed that were NOT initiated by me. 

As stipulated by the FCRA, credit reporting agencies are required to investigate all disputes within a reasonable time frame, typically 30 days. However, I have yet to receive a comprehensive resolution to my disputes. In addition to my initial dispute letters, I have not been provided with the results of any investigation, nor have I received any documentation demonstrating that a thorough review of my claims was conducted. 

This lack of investigation not only violates my consumer rights under the FCRA but has also had a detrimental impact on my creditworthiness. As a result, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the credit bureaus involved. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me should you require any additional information. 

Thank you for your assistance. 

Sincerely, 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