Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a formal complaint against Experian and Equifax for ongoing credit reporting violations, inaccurate credit reporting, and failure to properly address identity fraud concerns. I have been subjected to repeated errors on my credit report, which have significantly impacted my credit score and financial well-being. I am also aware of the existing lawsuits against Experian and Equifax, and I have received official correspondence indicating that I am part of those legal actions.

Summary of Issues : 1. Reappearance of Previously Removed Accounts Experian, TransUnion, and Equifax have readded old, closed accounts to my credit report that had previously been removed.

Most recently, one such account was placed back on my report, causing a 70-point drop in my credit score. 
This re-reporting of previously removed accounts appears to be a systematic issue affecting multiple consumers. 
2. Inaccurate and Unauthorized Negative Reporting There are items on my credit report that should not be there, including accounts that do not belong to me and debts that were previously disputed and removed.

These errors have significantly impacted my credit score and ability to obtain credit.

3. Identity Fraud Mishandling I have been a victim of identity theft, and Experian, TransUnion, and Equifax have not properly addressed the fraudulent activity associated with my credit profile. 
Despite submitting proper documentation, they have failed to remove fraudulent accounts and inquiries.

4. Failure to Investigate and Correct Errors I have repeatedly disputed inaccuracies, yet Experian, TransUnion, and Equifax have either failed to investigate properly or have verified incorrect information without adequate proof.

This lack of resolution violates the Fair Credit Reporting Act ( FCRA ) and has caused me financial distress.

5. Pattern of Negligence and Deceptive Practices Experian, TransUnion, and Equifax have demonstrated a pattern of negligence in handling disputes, as evident from class-action lawsuits and numerous consumer complaints. 
Their failure to maintain accurate reporting practices and their repeated reinstatement of removed accounts suggest a willful disregard for consumer protection laws. 

Requested Resolution : I request the CFPB to : 1. Conduct an investigation into Experian, TransUnion, and Equifaxs ongoing misconduct regarding credit reporting inaccuracies.

2. Require Experian Experian, TransUnion, to permanently remove the old closed account that was recently readded to my credit report.

3. Ensure all fraudulent accounts and inquiries related to my identity theft case are properly removed.

4. Impose penalties and corrective actions against Experian, TransUnion, and Equifax to prevent these issues from affecting other consumers.

5. Hold them accountable for failing to comply with FCRA regulations regarding accurate and fair credit reporting.

These errors have caused severe financial harm, including a drop in my credit score, increased interest rates, and difficulty obtaining credit. I urge the CFPB to take immediate action to protect consumers from Experian, TransUnion, and Equifaxs ongoing misconduct.

Please confirm receipt of my complaint and keep me informed of any actions taken. I am happy to provide supporting documentation upon request. I've uploaded a few but I couldn't upload them all due to it being so many.

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