Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I came across the CFPB Experian and XXXX lawsuit. 

I am writing to file a formal complaint regarding inaccurate and fraudulent reporting on my credit report by Experian, XXXX and XXXX XXXX. Despite my repeated efforts to address and dispute errors, I believe I have been unfairly and unjustly impacted by their practices, particularly concerning incorrect information on my credit report. 

Here are the details of my complaint : Failure to Correct Inaccurate Information - I have disputed several accounts that I believe are either inaccurately reported or are a result of identity theft and my information being shared are the dark web. Companies such as XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ( account that are NOT mine ), and XXXX have reported late payments and other incorrect information on my credit report. Despite my clear communication, the credit bureaus marked these accounts as " verified '' without providing any real proof or documentation of their findings. 
- Specifically, some accounts that I disputed were reported as " verified '' without providing details or supporting evidence to substantiate these claims, even though I explicitly requested further documentation and a clear explanation of their investigation. 

Fraud Alerts and Inaccurate Addresses/Name - I have reported that my personal information was compromised, including finding my data on the dark web, and requested that a fraud alert be placed on my credit file. However, despite this, inaccurate informationsuch as names, addresses, and accounts not belonging to mewas still included on my credit report. 
- I have also disputed accounts linked to addresses that do not belong to me and individuals whose names are not mine, and yet they remain on my credit report. There is no logical explanation as to how my information could be associated with multiple addresses and names that are not connected to me. 

Lack of Transparency and Investigative Detail - Despite my requests for transparency, I have not received detailed explanations of the investigations conducted by the credit bureaus. When I have requested proof of validation of the information reported, I have not received a meaningful response or adequate documentation to demonstrate how the information was verified. 

I believe the actions of Experian, XXXX, and XXXX violate my rights under the Fair Credit Reporting Act ( FCRA ) *specifically Section 611 ( a ) ( 5 ) ( A ) which requires the credit bureaus to conduct a fair and thorough investigation when disputes are filed. Additionally, these companies ' refusal to remove incorrect or fraudulent information may also be a violation of 15 U.S.C. 1681which mandates that consumers have the right to dispute and correct inaccurate information on their credit reports. 

These errors and omissions have negatively impacted my credit score and overall financial health, and I have been unfairly harmed by the lack of resolution and transparency. 


Thank you for your time and attention to this matter. I look forward to your assistance in resolving these issues. 

Sincerely, XXXX XXXX XX/XX/year>

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