Consumer complaint received 2025-01-27 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: WI

Complaint narrative:
I sent a letter to Experian, XXXX and XXXX asking to remove all information that couldnt be verified and validated and they sent a letter stating that the all accounts were validated.But no response of an investigation was done.Also, no proof of any of the accounts on my consumer report. 

Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Ongoing Discrepancies in Credit Report Disputes Reference to CFPB Lawsuit Dear Experian, I am writing to formally address the ongoing issues with inaccurate information on my credit report, despite my repeated attempts to dispute and resolve these errors. I have previously submitted disputes to your office, but unfortunately, the inaccuracies persist, and my credit report continues to reflect incorrect information. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for continuing to report inaccurate information. In light of this, I find it concerning that my own disputes have not been handled in accordance with the standards set by the CFPB and the Fair Credit Reporting Act ( FCRA ). 

The inaccuracies I have disputed includes information that was not to be posted on my consumer report without permissible purpose, closed and incorrect account balances, late payment marks, and wrong account information. Despite providing ample documentation to support my claims, these errors have not been corrected, and my credit report continues to reflect this inaccurate information. 

As a result of these errors, I am experiencing significant damage to my credit score, which in turn affects my financial stability and access to credit. According to the FCRA, you are obligated to investigate and correct any disputed information that is inaccurate, incomplete, or unverifiable. The continued reporting of these inaccuracies suggests that your investigations have not been conducted in a thorough or accurate manner. 

I respectfully request that you conduct a full and accurate investigation of the disputed items and provide me with the following : A detailed explanation of the steps taken to investigate my disputes.

Clear documentation proving the accuracy of the information reported on my credit file.

A corrected version of my credit report reflecting the accurate and up-to-date information. 
Please be advised that if these discrepancies are not resolved promptly and appropriately, I will be forced to consider further action, including filing a formal complaint with the CFPB and potentially pursuing legal action. I trust that you will take the necessary steps to ensure compliance with the FCRA and resolve this matter swiftly. 

Thank you for your prompt attention to this issue. I expect a response within 30 days as required by law. 

Sincerely,

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