Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to initiate a proper dispute process in response to my request to correct inaccurate information on my credit report. Despite repeated attempts to rectify this issue directly with Experian, I have encountered delays and evasive responses, resulting in ongoing inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to Experian regarding XXXXXXXX XXXX  Account number XXXX and XXXX XXXX XXXXXXXX Account number XXXX Experian claims to have initiated a dispute process in XX/XX/XXXX, yet the status of the account has not been updated since XX/XX/XXXX. This lack of update indicates that Experian has failed to effectively investigate and address the inaccuracies on my credit report. XXXX failure to properly initiate and follow through with the dispute process not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of the credit reporting system. Specifically, Experians actions contravene the following provisions of the FCRA : Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to conduct a reasonable investigation of disputed information upon receiving a consumer dispute. XXXX failure to update the status of the disputed account since XX/XX/XXXX suggests inadequate investigation and resolution of the dispute, in violation of this provision. Section 611 ( a ) ( 5 ) ( A ) : This section mandates that if the information disputed by a consumer can not be verified, the consumer reporting agency must promptly delete such information. XXXX failure to update the status of the disputed account despite ongoing dispute and updates to the account since XX/XX/XXXX indicates that the accuracy of the information remains questionable, warranting its deletion from my credit report. Furthermore, Experians repeated failure to address my concerns and provide adequate resolution constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( CFPA ). Therefore, I am demanding the following actions : The immediate deletion of the inaccurate and unverified account from my credit report. Confirmation from Experian that the inaccurate information has been removed or corrected. XXXX from Experian that they will implement measures to prevent similar errors and mishandling of disputes in the future. I am also requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian complies with the FCRA and CFPA. Enclosed are copies of relevant documents, including proof of my dispute submissions and correspondence with Experian, for your review. Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. 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