Consumer complaint received 2025-02-13 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:
Your Name [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Dates XXXX XXXX XXXX Experian Consumer Services XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Complaint Regarding Inaccurate Information on My Credit Report and Dispute Handling Dear Sir/Madam, I am writing to formally lodge a complaint regarding the ongoing inaccurate information on my credit report, despite my previous efforts to resolve these issues through the dispute process. I believe the handling of my credit report and disputes mirrors the serious violations outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. 

On [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ], I initiated disputes with Experian regarding inaccuracies found on my credit report. However, despite providing sufficient evidence and following the dispute process, the inaccurate information has not been corrected, and it continues to negatively impact my creditworthiness. This issue reflects the same systematic problems identified in the CFPB lawsuit, where Experian allegedly failed to conduct reasonable investigations into disputes and failed to remove or correct inaccurate information, resulting in continued harm to consumers like myself. 

Specifically, I have disputed the following inaccurate information on my credit report : Account name, XXXX, Account number, XXXX Status Closed. {$2.00}, XXXX written off. Sent Validation letter to Experian, failed to provide the details ( how they investigated, and why the did not remove ) Account name, XXXX XXXX XXXX, Account XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6000.00}, Sent dispute to have removed for inaccurate reporting, as the account is reported Charged Off, and are still reporting Balance, did not remove item from Credit Report, and did not provide details of how it was investigated Account name, XXXX XXXX XXXX, Account number, XXXX Account type Auto Loan, Status Paid, Closed. Disputed a late payment reported by XXXX XXXX, sent in documents, showing I traded in vehicle and was no longer responsible for payments, after trading in the vehicle on purchase of a new one. Failed to remove, and provide detailes on how the investigation was completed and why it was not removed Account XXXX XXXX XXXX XXXX Account XXXX Account type Auto Loan, Status Account charged off. {$12.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Balance {$12000.00}, Balance updated XX/XX/XXXX, Filed dispute for inaccurate reporting, account charged off and still reporting balance, this is a violation of accurate reporting, and they failed to remove account, and provide details of how account was investigated In the CFPB lawsuit, Experian was found to have violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate disputes, providing misleading information, and failing to ensure that credit reports were accurate and complete. It appears my experience with Experian mirrors these violations, as my disputes have been inadequately handled, and the inaccuracies remain unresolved despite my efforts. 

I respectfully request the following : Immediate and thorough reinvestigation of the disputed items on my credit report.

Permanent removal or correction of any inaccurate information identified in my disputes.

A written response outlining the results of the reinvestigation and the steps taken to correct the issues on my credit report.

An assurance that my credit report will be accurately updated and reflect all correct information going forward.

If this matter is not resolved within a reasonable time frame, I will consider further actions, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities, and pursuing all available legal remedies.

Thank you for your attention to this matter. I expect a prompt and thorough response. Please contact me at [ phone number ] or [ email address ] for any additional information or clarification.

Sincerely, [ Your Full Name ] [ Your Date of Birth ( if necessary ) ] [ Your Social Security Number ( if necessary ) ]

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