Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am filing a formal complaint against Experian for failing to correct inaccurate information on my credit report, despite multiple disputes filed, including a previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ). Experian has violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( investigations of disputes ) and XXXX ( right to request and receive method of validation ). Despite several attempts to resolve this dispute through direct contact with Experian, the inaccurate information persists on my credit report. Specifically, the Account : XXXX XXXX XXXX reflects incorrect information regarding wrong inaccurate payment history, which that I have marked on attached documents ( recent credit report and cfpb complaint ) and Experian has not corrected or deleted the account as required under the FCRA. 

I have repeatedly requested validation of this account under FCRA Section XXXX, seeking documentation verifying the accuracy of the account, including details like the original creditor, account status, payment history, date of last payment. Despite these written requests, Experian has failed to provide the method of validation I am legally entitled to. Under FCRA Section XXXX, Experian is required to provide this information within a reasonable time frame, which they have not done. 

Additionally, after filing my complaint with the CFPB, Experian updated my credit report, but the inaccurate information remains uncorrected. They failed to update their response to my original CFPB complaint as required by FCRA Section XXXX, which mandates that credit reporting agencies conduct investigations and correct any inaccurate or incomplete information within 30 days. XXXX failure to adequately address my CFPB complaint further violates my rights under the FCRA. 

Per the FCRA ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, I requested that you provide me with the names and business addresses of each individual or entity with whom you verified and validated the disputed information, so that I may follow up accordingly. Nothing was never verified. Experian 's actions violate FCRA Section XXXX ( Failure to Investigate or Correct Inaccurate Information ), FCRA Section XXXX ( Failure to Provide Method of Validation ), and FCRA Section XXXX ( Duty to Report Accurate Information ). These violations have caused significant harm to my credit score and financial standing. 

I request that the CFPB investigate this matter further and compel Experian to immediately delete or correct the inaccurate account. If Experian can not validate the account as accurate, they must remove it from my credit report as required by the FCRA. I also request that Experian provide complete validation of the disputed account, including details of the original creditor, payment history, and any documentation proving its accuracy. Additionally, I request an updated response to my original CFPB complaint, explaining the steps Experian has taken to resolve this issue. 

Lastly, I seek compensation or remedies for violations of my consumer rights, including any damages caused by this inaccurate reporting and its adverse effects on my credit score. 

I have provided copies of all relevant documentation, including my credit report showing the inaccurate account, as well as prior communications with Experian and the CFPB. I request that the CFPB intervene and ensure Experian complies with the Fair Credit Reporting Act ( FCRA ), correcting the inaccuracies and preventing further harm to my financial standing.15 U.S.C . XXXXe - Compliance Procedures is part of the Fair Credit Reporting Act ( FCRA ) and outlines the procedures that consumer reporting agencies ( CRAs ) must follow to ensure that they comply with the FCRA, particularly regarding the accuracy and integrity of the information they report. It primarily addresses the steps CRAs must take when a consumer disputes the accuracy of information on their credit report.

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