Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
I am filing this complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) regarding the investigation and resolution of disputed information on my credit report. My repeated attempts to resolve these inaccuracies have been met with resistance and inadequate responses from Experian, resulting in ongoing harm to my credit and financial well-being.I have disputed the following accounts through Experians website and by sending dispute letters generated through publicly available credit repair software : 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain errors that adversely affect the accuracy of my credit report. In response, I have provided multiple verification letters and supporting documentation to substantiate my claims. Instead of properly investigating my disputes, Experian has : Sent generic stall letters without addressing the specific issues I raised. 
Failed to correct or remove inaccurate and unverifiable information. 
Potentially reinserted erroneous information without notifying me, as required by law. Experians actions are in direct violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failing to ensure the maximum possible accuracy of consumer credit reports.

15 U.S.C. 1681s-2 : Neglecting to appropriately investigate disputes related to information provided by furnishers.

15 U.S.C. 1681i ( 5 ) : Failing to conduct reasonable reinvestigations or delete unverifiable information.

15 U.S.C. 1681c ( c ) : Non-compliance with legal requirements for handling disputed and reinserted information.

I recently became aware of the CFPBs lawsuit against Experian, which highlights systemic issues within their dispute-handling processes ( CFPB Press Release : CFPB Sues Experian for Sham Investigations of Credit Report Errors ). This lawsuit alleges that Experian routinely fails to conduct proper investigations, reinserts errors, and undermines consumers access to credit, employment, and housing. My experience mirrors these allegations, reinforcing the urgency of addressing this matter.

Experians failure to fulfill its legal obligations has caused me significant harm, including : A reduced credit score, limiting my ability to access affordable credit. 
Emotional distress and frustration due to repeated inadequate responses. 
Barriers to securing necessary credit, housing, and other opportunities. 

I am providing copies of all dispute letters, and verification of my identity. Thank you for your time and attention to this matter. I trust the CFPB will take the necessary steps to ensure Experian complies with its legal obligations and protects consumers like myself from further harm. 

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