Consumer complaint received 2025-02-08 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: WA

Complaint narrative:
I am writing to express my concern and dissatisfaction regarding the handling of my dispute and the failure to validate the accounts in question within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). Additionally, the necessary corrections to my credit report have not been made, despite my efforts to resolve this matter. 

On XX/XX/XXXX, I submitted a dispute to Experian, XXXX, & XXXX regarding inaccurate information on my credit report. Specifically, I requested validation of the accounts listed below : XXXX Revolving account with account XXXX XXXXXXXX opened on XXXX XXXX  Revolving account with account XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXX XXXXXXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX XXXX Installment account with account XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Revolving account with account XXXX  XXXX opened on XX/XX/XXXXXXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXXXXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX Revolving account with account XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXX Revolving account with account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To date, I have not received any validation of these accounts, nor have the inaccuracies been corrected on my credit report. This lack of action has caused significant harm to my financial well-being, including but not limited to : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Denial of credit opportunities Higher interest rates on loans Emotional distress and frustration Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and provide a response, including corrections or validation of the disputed information. The failure to do so is a violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and ensure that the credit bureau ( XXXX ) involved comply with their legal obligations. Additionally, I urge the CFPB to take appropriate action to hold the credit bureau ( XXXX ) accountable for their failure to act within the required timeframe and to ensure that my credit report is corrected promptly. 

Please find attached copies of my dispute letters, correspondence with the credit bureau ( XXXX ), and any other relevant documentation for your review. 

I appreciate your attention to this matter and look forward to a resolution. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.

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