Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I am not liable for this debt of {$1800.00} for XXXX XXXX XXXX. I do not have a contract with XXXX XXXXXXXX XXXX. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$950.00} for XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$430.00} for XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$270.00} for XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$0.00} for XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested with my wet signature and ID verification. 


I am not liable for this debt of {$610.00} for XXXX XXXX XXXX XXXX. I do not have a contract with XXXXXXXX XXXX XXXX XXXX They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$3200.00} for XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$7500.00} for XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$0.00} for XXXX I do not have a contract with XXXX They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$4400.00} for XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$1700.00} for XXXX XXXX XXXX XXXX XXXX  XXXX. I do not have a contract with XXXX XXXX XXXX XXXX XXXX  XXXX. They did not provide me with the original contract as I requested with my wet signature and ID verification. 

I am not liable for this debt of {$440.00} for XXXXXXXX XXXX  I do not have a contract with XXXX XXXX  They did not provide me with the original contract as I requested with my wet signature and ID verification.

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