Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to you out of sheer frustration and desperation regarding the failure of Experian to properly handle inaccuracies in my consumer credit report. I have sent out letter to Experian on XX/XX/year> for the removal of the following accounts below. Despite providing clear and substantial proof that the following accounts do not belong to me, Experian has refused to remove these inaccurate accounts from my report. This has caused me tremendous harm, both mentally and physically, and has severely impacted my ability to secure employment to support my family. 
Creditor Name : XXXX XXXX  ACCT # XXXX Creditor Name : XXXX XXXX  XXXX Creditor Name : XXXX XXXX  XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccuracies in their credit reports. However, Experian 's handling of my case has been anything but compliant with these laws. Here are the specific violations I believe Experian has committed, along with the relevant FCRA codes : Failure to Conduct a Reasonable Investigation ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ) : I disputed the inaccurate accounts on my credit report and provided all necessary documentation to prove they do not belong to me. Despite this, Experian sent me an email stating that their findings were " verified, '' without providing any proof of how this information was verified. This violates the requirement to conduct a reasonable investigation. 

Failure to Delete Inaccurate Information ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ) : When a credit reporting agency finds that disputed information is inaccurate or unverifiable, they are required to delete or correct the information. Experian has failed to do so, leaving the inaccurate accounts on my report. 

Failure to Provide the Results of Reinvestigation ( 15 U.S. Code 1681i ( a ) ( 6 ) ( A ) ) : Experian did not adequately inform me of the results of their reinvestigation process or provide any meaningful explanation or proof of the verification process they claim to have conducted. 

Willful Noncompliance ( 15 U.S. Code 1681n ) : The continuous failure of Experian to address the inaccuracies in my report, despite having received sufficient evidence from me, could be considered willful noncompliance. This may also constitute fraud, as they continue to sell inaccurate credit reports to creditors, potentially for financial gain. 

The emotional and physical toll this situation has taken on me is significant. I have been unable to secure a new job, which is critical for my familys well-being. The negligence on Experian 's part has left me feeling helpless and harmed in ways that go beyond financial distress. I recently read in a CFPB article that Experian has been found to not follow FCRA laws, and my experience confirms this ongoing issue. 

I urgently seek your assistance in holding Experian accountable for these violations and ensuring they rectify my credit report promptly. Your intervention is crucial to prevent further harm to my life and livelihood. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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