Consumer complaint received 2025-01-10 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 Noncompliance with FCRA and CFPB Guidelines To Whom It May Concern, I am submitting this formal complaint against Experian regarding their failure to properly investigate and resolve disputes I have submitted about inaccuracies on my credit report. The issues have resulted in significant harm to my financial profile and access to credit. 
XXXX. Background On XX/XX/year>, I initiated disputes with Experian concerning errors in my credit report, including but not limited to : Accounts inaccurately reported as delinquent or charged off. 
Incomplete or inconsistent reporting of payment history. 
Failure to remove disputed items, such as XXXX XXXX XXXX- Original Creditor : XXXX XXXX XXXX, {$1000.00} balance XXXX. Violations Identified Experian has exhibited the following violations of the Fair Credit Reporting Act ( FCRA ) : Conducting superficial investigations and failing to address the errors raised in my disputes. 
Improperly reinserting inaccurate information after previous disputes. 
Providing ambiguous and incomplete responses regarding investigation results, leaving the disputed accounts unresolved. 

XXXX. Harm Caused The presence of inaccurate and derogatory information on my credit report has caused : A decrease in my XXXX XXXX to XXXX, as of XX/XX/year>, significantly below the national average. 
Difficulty obtaining fair credit terms and access to financial products. 
Emotional distress and the risk of further financial instability. 

XXXX. Request for Action I respectfully request the CFPB to take the following actions : Investigate Experians compliance with FCRA and CFPB guidelines regarding dispute investigations. 
Mandate immediate correction or deletion of the inaccurate items identified in my disputes. 
Impose penalties or corrective measures to ensure Experian adopts compliant practices for future consumer dispute investigations. 

Additionally, I have experienced several data breaches, including the XXXXXXXX XXXX XXXX XXXX XXXX which exposed my personal information, further aggravating the risks of financial and identity fraud. Experian has also improperly reinserted previously deleted inaccurate information into my credit report without notification or explanation, violating the FCRA. These actions have harmed my credit score, financial stability, and access to credit. I have been a victim of several data breaches, including the XXXXXXXX XXXX XXXX XXXX, where my personal information ( e.g., name, Social Security number, date of birth ) was exposed. This breach and others have increased my vulnerability to identity theft and financial fraud. Despite these risks : Experian has not provided adequate security measures or monitoring for affected consumers. 
Errors and suspicious activity on my credit report remain unaddressed, further compounding the damage caused by these XXXX.The unresolved errors on my credit report and exposure from XXXX XXXX have caused : A decrease in my credit score, leading to denial of credit for auto loan on XX/XX/year> Financial and emotional distress from increased risks of fraud and identity theft. 
Higher interest rates and limited access to essential financial services.

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