Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I am writing to formally request the immediate removal and correction of several inaccurate and unauthorized entries on my credit report, which are causing significant hardships in relation to my transportation, housing, and overall financial well-being. I have previously reported these issues to Experian and have taken steps to resolve them directly with the respective companies. Despite providing supporting documentation and clear evidence, my concerns remain unaddressed. 

I am also aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for accepting unreliable information and failing to notify consumers of updates in a timely and accurate manner. This legal action directly mirrors my own concerns regarding the safety and accuracy of my credit profile and personal data. These unresolved discrepancies are causing a negative impact on my ability to secure credit and other financial services. 

Specifically, the following accounts require urgent attention and resolution : XXXX XXXX ( Account No. XXXX ) This account is not associated with me, and I have provided concrete proof to this effect, which was acknowledged by the company itself. Despite this, Experian has continued to report this debt. I request the immediate removal of this account from my credit report. 
XXXX XXXX XXXX ( Account XXXX. XXXX ) This account is inaccurate and should not be reported. During the pandemic, I returned a vehicle to the leasing company ( XXXX ) due to transmission issues. The vehicle was a " lemon '' under the law, and I provided documentation to XXXX XXXX, which agreed to close the account with a XXXX balance. However, Experian continues to report this account as open and active, in violation of my consumer rights. I request that this account be removed or corrected immediately. 
Account No. XXXX This account does not belong to me, and Experian has failed to properly verify the debt in accordance with credit reporting regulations. Despite my attempts to have this error corrected, the account remains on my report. I request an immediate investigation and removal of this account. 
These inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they are also causing severe hardship in my daily life, as I am unable to access credit and other essential services due to these unresolved issues. 

I urge you to act promptly and ensure that these derogatory marks are either removed or corrected in accordance with the law. Please provide me with written confirmation that these issues have been resolved and that my credit report accurately reflects my true financial obligations. 

Thank you for your attention to this matter. I expect a timely resolution, and should this issue remain unresolved, I will not hesitate to pursue further legal action to protect my rights.

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