Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
Take notice, I am writing to formally dispute the accuracy and completeness of the information contained in my credit report with Experian. I recently reviewed my credit report on IdentityIQ.com and noticed several fraudulent trade lines that have been reported by your company. These trade lines include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized these accounts, and I believe they are a result of identity theft. On XX/XX/year>, I sent a complaint to your company requesting evidence of your authority to report these accounts, as required by 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ). Your response verified these accounts, which I believe is incorrect and misleading.

Additionally, I have submitted evidence to the Consumer Financial Protection Bureau ( CFPB ) demonstrating inconsistencies in the dates of reporting and incorrect addresses and names associated with these accounts. Despite this evidence, Experian has not corrected the inaccuracies and continues to report these fraudulent trade lines.

I have sent multiple demand letters and invoices for payment for your violations of the Fair Credit Reporting Act ( FCRA ), but I have not received any monetary compensation for damages. Your continued reporting of these fraudulent trade lines has severely damaged my credit reputation, lowered my FICO scores, and caused severe humiliation, emotional distress, mental anguish, financial damages, and several denials of consumer credit.

I request that you conduct a reasonable reinvestigation of these disputed items and remove them from my credit report immediately. Additionally, I request that you provide me with written confirmation of the removal of these trade lines and any other steps taken to correct my credit report.

Please respond to this dispute within 30 days as required by the FCRA. If you fail to respond, I will consider this a refusal to reinvestigate and may take further legal action.

Furthermore, I am requesting {$10000.00} for the violations and mental stress caused by your actions. This amount should be paid within 14 days of this notice.

Additionally, consumers waste their time and resources submitting disputes that are not adequately reinvestigated and gathering and submitting documents that are given no consideration in the dispute process. At the conclusion of a reinvestigation, Experian sends consumers written results letters intended to fulfill its statutory obligation to report the results of the reinvestigation. However, these letters often fail to inform consumers of the reinvestigation results accurately and completely.

Moreover, I have taken this matter to small claims court, where Experian 's legal representative was present and lied under oath, claiming that the information on the report was valid and that they were allowed to report it. This further demonstrates Experian 's ongoing violations of the FCRA and their disregard for the rights of consumers.

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