Consumer complaint received 2025-01-12 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: IL

Complaint narrative:
Re : Formal Complaint Against Experian Failure to Properly Investigate Disputed Information writing to formally lodge a complaint against Experian for their gross mishandling of my repeated disputes concerning inaccurate and misleading derogatory information on my credit report. Despite multiple attempts to rectify this situation, Experian has consistently failed to conduct a proper investigation or provide adequate verification of the disputed accounts. 

XXXX XXXX XXXX XXXX XXXX # XXXX... Paid In full, fraudulent charges on Account. Account Closed by Bank Never given option to reinstate, Late payments reported while account suspended. Consumer was never contacted with options. There is no late payments or debt, please remove this misleading outdated account, it is affecting my abilities to purchase a home. 

EXTRA # 20 Payment History Is misleading and not correct this account was closed to in activity, The late payments are false and misleading, which affect the entire accuracy of this account. I have the right to Maximum Accuracy, and this is not reporting correctly, Company never provided Suspension Notice to consumer, it is a violation of a consumer 's rights to furnish false information to any credit reporting agency knowingly. the consumer was not made aware, and the information is false.

Over the past several months, I have submitted numerous disputes to Experian, challenging the accuracy of specific accounts listed on my credit report. In response, I have received vague and unhelpful form letters stating that the accounts have been verified as accurate. However, when I requested detailed information about their method and procedure of verification, I was met with obfuscation and stalling tactics. Experians typical response has included dismissive statements such as, we can not honor your request at this time, we could not confirm your identity, or we have already investigated your request.

These responses are wholly inadequate and reflect a blatant disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). To make matters worse, attempts to speak directly with Experian representatives have been met with rude, unprofessional behavior, further compounding the frustration of this ordeal. Their unwillingness to provide meaningful assistance demonstrates a clear lack of commitment to consumer advocacy and transparency.

It is critical to highlight that I have successfully disputed and removed these same accounts from my credit reports with both XXXX and XXXX. This indicates that the issue lies solely with Experians failure to perform due diligence and properly address my concerns. This unresolved situation is severely impacting my ability to secure credit, which is crucial as I am in the process of trying to purchase a home for my family. The derogatory information on my Experian report is unjustly preventing me from achieving this goal and is causing significant distress. 

I urge the Consumer Financial Protection Bureau to take immediate action against Experian for their careless and negligent handling of consumer disputes. Their lack of accountability and transparency is unacceptable and warrants thorough investigation and intervention. 

" Thank you for your prompt attention to this matter. I trust that the CFPB will ensure Experian rectifies these issues and upholds their obligations to provide accurate and fair credit reporting. ''

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