Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Experians Violation of FCRA Requirements To Whom It May Concern, I am submitting this formal complaint regarding Experians repeated failures to investigate and correct inaccuracies on my credit report, which have severely impacted my financial well-being and ability to secure a home loan. Experians inaction and refusal to comply with the Fair Credit Reporting Act ( FCRA ) are deeply troubling and align with the concerns recently raised in the CFPBs lawsuit against the company for sham investigations.

Background of My Complaint : I have filed numerous disputes with Experian over the past months concerning inaccuracies in the following accounts and inquiries : 1. XXXX : Multiple inaccuracies were reported, yet Experian claimed to have verified the account without addressing my specific dispute points. This account was deleted by both XXXX and XXXX but remain unjustifiably reported by Experian 2. XXXX XXXX XXXX : Inaccurate balances and payment histories remain uncorrected despite clear evidence provided. This account was deleted by both XXXX and XXXX but remain unjustifiably reported by Experian 3. XXXX : Discrepancies in account status and reporting were ignored, and Experian failed to reinvestigate. This account was deleted by both XXXX and XXXX but remain unjustifiably reported by Experian 4. XXXX XXXX XXXX XXXX : Experian claimed verification without rectifying errors in the reported terms and payment history. This account was deleted by both XXXX and XXXX but remain unjustifiably reported by Experian 5. XXXX : Significant inaccuracies were highlighted, yet Experian refused to reinvestigate. 
6. XXXXXXXX XXXX : Incorrect account information persists despite detailed disputes. This account was deleted by XXXX but remain unjustifiably reported by Experian 7. Fraudulent Inquiries : These inquiries were deleted by both XXXX and XXXX but remain unjustifiably reported by Experian. These inquiries were clearly fraudulent, and Experians failure to remove them violates my rights under the FCRA. 

Experians Failures : Improper Investigations : Experians refusal to investigate or reinvestigate disputes violates the FCRA. Per the CFPBs allegations, Experian has been conducting sham investigations, which appears to align with my experience. 
Malicious Negligence : Experians unwillingness to address clear errors indicates malicious intent to harm my creditworthiness for financial gain. 
Failure to Ensure Accuracy : The FCRA mandates that consumer reporting agencies maintain accurate and fair reporting. Experians ongoing failure to correct errors on my report constitutes gross negligence and a direct violation of these obligations. 

Impact on Me : The inaccurate reporting and Experians deliberate inaction have destroyed my ability to obtain a home loan and have caused significant financial and emotional distress. By refusing to correct errors, Experian has willfully damaged my credibility. 
Furthermore, it is critical to note that all negative accounts and fraudulent inquiries disputed with Experian were successfully deleted by both XXXX and XXXX. This inconsistency further evidences Experians malicious intent to cause harm. 

Requested Resolution : I respectfully request the following : 1. Immediate removal of all disputed inaccuracies, including the accounts and inquiries listed above, due to violations of the FCRA, FDCPA, FCBA AND TILA 2. A thorough investigation into Experians systemic failures to comply with the FCRA. 
3. Inclusion of my case in any ongoing legal actions or resolutions related to Experians violations, such as the current CFPB lawsuit.

Supporting Information : Attached are documents supporting my claims, including copies of my credit report, prior dispute letters, correspondence with Experian, and evidence of inaccuracies. I also include a copy of the recent CFPB announcement outlining similar issues with Experians handling of consumer disputes. 
I trust that Experian will take immediate corrective action to address these concerns and comply with its obligations under the FCRA. I also expect the Office of the Attorney General and the XXXX XXXX XXXX to hold Experian accountable for its repeated violations. 
Thank you for your attention to this matter. Please feel free to contact me for any additional information or clarification.

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