Consumer complaint received 2025-01-15 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:
Complaint Against Experian for Failure to Comply with the Fair Credit Reporting Act Your Name : XXXX XXXX Address : XXXX XXXX XXXX Email : XXXX Phone Number : XXXX XX/XX/XXXX To the Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for failing to comply with the provisions of the Fair Credit Reporting Act ( FCRA ) and engaging in deceptive practices related to my credit report. 

I have attempted to resolve disputes directly with Experian, but they have failed to conduct proper investigations and to correct inaccuracies on my credit report. Specifically, I believe Experian has violated the following sections of the FCRA : 15 USC 1681e ( b ) : Experian has failed to maintain reasonable procedures to ensure the accuracy of the information reported in my credit file, as evidenced by their failure to address the inaccuracies I have disputed multiple times. 
15 USC 1681s-2 : The information Experian reports regarding my credit is inaccurate, and the original furnishers have not been properly investigated or corrected, violating the accuracy requirements of the law.

15 USC 1681i ( 5 ) : Despite my multiple dispute letters, Experian has failed to properly investigate my claims within the 30-day period mandated by the FCRA, and they have failed to provide clear, written results regarding my disputes.

15 USC 1681c ( c ) : Negative information that should have been removed or updated according to the law remains on my credit report, adversely affecting my ability to access credit, housing, and employment. 

Additionally, I recently became aware of the CFPBs lawsuit against Experian for similar failures in their dispute investigation process, where Experian was accused of conducting sham investigations and failing to address consumer disputes properly. This recent development highlights the ongoing and systemic issues within Experians practices, and I believe my experience is part of this broader issue. 

I have attached copies of my dispute letters sent to Experian and their responses ( or lack thereof ), as well as my credit reports showing the inaccuracies. Despite my efforts, Experian has not complied with the FCRAs requirements, and the issues remain unresolved. 

I respectfully request that the CFPB investigate this matter and take the necessary steps to ensure that Experian complies with the law and corrects the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Listed are dispute dates and numbers Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX Report Number XXXX Date Generated XX/XX/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