Consumer complaint received 2025-01-24 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against XXXX and XXXX for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern, I am submitting this formal complaint regarding XXXX and XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, for negligent noncompliance. My complaint involves the inaccurate reporting and mishandling of disputes related to the following accounts : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : Closed on XX/XX/XXXX Creditor Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite submitting evidence and formal disputes, both credit reporting agencies have failed to conduct proper investigations into the accuracy of these accounts, resulting in continued harm to my credit profile. 

XXXX XXXX for XXXX XXXX XXXX : Dispute ID : XXXX Submitted to XXXX : XX/XX/XXXX In Review : XX/XX/XXXX Resolved ( Denied ) : XX/XX/XXXX Despite providing XXXX with additional information to verify the inaccuracy of the XXXX XXXX XXXX account, the dispute was denied without a thorough explanation or adequate documentation. XXXX similarly failed to verify the accuracy of the XXXX XXXX account, resulting in continued damage to my creditworthiness. 

Impact of Negligence : XXXX. Harm to my XXXX XXXX, which has prevented me from qualifying for a mortgage to provide stable housing for my family. 
XXXX. Financial hardship and emotional distress, as I have been unjustly penalized due to the negligent noncompliance of these credit reporting agencies. 

Requested Actions : I request the CFPB take the following actions to address these issues : XXXX. Investigate XXXX and XXXX handling of my disputes to determine whether they violated the FCRA by failing to conduct reasonable investigations. 
XXXX. Require both agencies to provide detailed documentation of their dispute investigation processes, including the evidence used to verify the accuracy of the XXXX XXXX and XXXX XXXX XXXX accounts.

3. Order the removal of any inaccurate or unverifiable information related to the above accounts from my credit reports. 

The failure of XXXX and XXXX to comply with federal regulations has caused significant harm to my financial stability and well-being. I trust that the CFPB will take appropriate action to hold these agencies accountable and protect consumers like me. 

Thank you for your attention to this matter. Please contact me if additional information is required. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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