Consumer complaint received 2025-02-16 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: TN

Complaint narrative:
I have repeatedly disputed inaccurate information on my credit report with Experian since XX/XX/XXXX, but they have failed to properly investigate or correct the errors. 

XXXX. Failure to Investigate and Provide Method of Verification ( MOV ) I disputed false late payments on my report multiple times via certified mail ( tracking numbers included below ). Experian has refused to provide the legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). Instead, they marked the accounts as " verified '' without providing any documentation or details on how the verification was conducted.

2. Continued Reporting of False Late Payments Experian continues to report inaccurate late payments on the following accounts : 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 XXXXXXXX ) These negative marks are damaging my credit and preventing me from accessing financial opportunities. 

3. Refusal to Remove Inaccurate Personal Information Experian has also failed to remove incorrect personal information, which I have previously disputed, including : Incorrect Name : " XXXXXXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my repeated requests, Experian continues to keep outdated and incorrect addresses on my file, violating FCRA 609 ( a ) ( 1 ) & 611 ( a ).

4. Experians Pattern of Noncompliance This behavior is part of a documented pattern of Experian failing to correct credit reports, as shown in previous CFPB enforcement actions and lawsuits against them, including : CFPB Lawsuit Against Experian ( XX/XX/XXXX ) Found Experian failed to investigate disputes properly. 
Experian Class Action Settlement ( $ XXXX XX/XX/XXXX ) Experian settled for reporting false address data that harmed consumers. 
XXXX v. Experian ( XXXX XXXX XXXX ) Exposed Experians refusal to reinvestigate incorrect consumer information. 
I have previously filed multiple CFPB complaints, including : CFPB Complaint # XXXX CFPB Complaint # XXXX CFPB Complaint # XXXX CFPB Complaint # XXXX Additionally, I filed a formal complaint with the Federal Trade Commission ( FTC ) under : FTC Report XXXX XXXX Despite these complaints, Experian continues to ignore my disputes and fail to provide legally required documentation. 

Actions I Took : XX/XX/XXXX Sent first dispute via certified mail ( Tracking # XXXX ). 
XX/XX/XXXX Sent second dispute via certified mail ( Tracking # XXXX ). 
XX/XX/XXXX Sent third dispute via certified mail ( Tracking # XXXX ). 
Experian failed to conduct a proper reinvestigation and refused to provide the Method of Verification ( MOV ) for any of these disputes.

How Experians Violations Have Harmed Me : Denied credit approvals that I was otherwise eligible for.

Higher interest rates on loans and credit cards.

Inability to obtain necessary financing for personal and business needs. 
Emotional and financial distress caused by Experians negligence.

What I Want Experian to Do : 1 Provide the legally required MOV for each disputed account or delete the negative items immediately.

2 Remove incorrect names and addresses from my credit file.

3 Ensure full FCRA compliance and issue a written confirmation that corrections have been made.

4 Compensate me for damages caused by their willful noncompliance, including a demand for {$25000.00} in punitive damages. 

Failure to comply will result in further legal action.

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