Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding Experian, one of the major credit reporting agencies, for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX. Experian 's failure to meet its legal obligations has caused me harm, and I am requesting your assistance in addressing this issue. 

Details of the Complaint On XXXX XXXX, I submitted a formal dispute to Experian regarding inaccurate or fraudulent accounts listed on my credit report, along with supporting documentation to substantiate my claim. 

Despite my efforts, Experian failed to comply with their FCRA obligations to investigate and resolve dispute within 30 days, which include : -Conducting a thorough and timely reinvestigation of the disputed information as required under XXXX XXXX. XXXX. 

-Correcting or deleting inaccurate, incomplete, or unverifiable information from my credit report. 

-Providing me with proper notification and explanation of the results of their investigation. 


As a result of Experians inaction and non-compliance, I have suffered the following : A lower credit score, denial of credit applications, financial opportunities, higher interest rates, denial of housing and emotional distress. 

Actions Taken I made multiple attempts to follow up with Experian after submitting my dispute on XX/XX/year>, but I have not received any adequate resolution or communication regarding the status of my dispute. This failure to respond demonstrates a disregard for their obligations under the FCRA. 

Details of Disputed Information -Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

-Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

Account XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

Account Name : XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : This company accessed my credit report without my authorization or a permissible purpose, violating XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ). I have no relationship with this company and did not provide consent for them to obtain my credit information. This unauthorized access infringes on my right to privacy under the FCRA.

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