Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which outlines civil liability for failure to comply with the FCRAs dispute investigation requirements.

The inaccurate accounts in question are as follows : XXXX. Real Estate Loans Total Balance : {$13000.00} XXXX. XXXX XXXX Late Payment Balance : {$13000.00} Balance Updated : XX/XX/XXXX XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX Selling Balance : {$780.00} Balance Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$12000.00} Balance Updated : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX In addition, I have noticed the following hard inquiries on my credit report : XXXX XXXX  ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX XXXX On Record Until : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) I have submitted disputes for these accounts and provided supporting documentation to prove the information is either inaccurate or unverifiable. However, Experian has failed to properly investigate these disputes or has responded with generic verified statements without providing details about the investigation process or correcting the errors. This failure to conduct a reasonable investigation has harmed my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. I am requesting the following actions from Experian through the CFPB :
1. Conduct a proper and thorough investigation into the accounts Ive disputed.

2. Provide a detailed explanation of the steps taken to verify or correct the information.

3. Immediately remove any inaccurate or unverifiable information from my credit report.

Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws, particularly 15 U.S. Code 1681o, to protect consumers like me. 

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