Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
Experian conducted a sham 7 day investigation of my dispute of negative credit reports from XXXX XXXX XXXX ( XXXX ) and improperly reinserted inaccurate information. 
_____________ On XX/XX/XXXX I submitted via mail a XXXX page dispute to Experian regarding a fraudulent negative credit report by XXXX for alleged debts related to an inactive/abandoned lease between me and XXXX XXXX XXXX XXXX abandoned the function, maintenance, servicing and communication regarding the associated lease of my solar panels in XX/XX/XXXX during their bankruptcy. In XX/XX/XXXX XXXX XXXX XXXX spontaneously and unilaterally submitted negative credit reports for payment on the abandoned lease. 
_____________ XXXX : On XX/XX/XXXX I submitted a XXXX pg dispute to Experian regarding XXXX negative reports. 
On XX/XX/XXXX Experian removed the negative XXXX reports and my XXXX XXXX went up significantly. 
On XX/XX/XXXX Experian notified me via email that my dispute was open. 
On XX/XX/XXXX ( XXXX day after opening my dispute ) Experian notified me via email that my dispute results were ready. 
On XX/XX/XXXX Experian lowered my credit score by XXXX points. 
On XX/XX/XXXX Experian improperly reinserted inaccurate negative credit report information from XXXX to my credit report including XXXX new inaccurate negative reports. 
On XX/XX/XXXX Experian sent me a dispute resolution report that was indecipherable and contained no substantive information to support their decision. 
On XX/XX/XXXX I called Experian and remained on hold for XXXX hours before speaking to a representative that told me the dispute was resolved. 
On XX/XX/XXXX this representative would not provide me with any documents or communications that Experian received from XXXX regarding my dispute. 
On XX/XX/XXXX this representative could not confirm that they had actually read the XXXX pages of evidence I submitted with my dispute. 
On XX/XX/XXXX this representative could not explain how they were able to make a determination in XXXX day. 
_____________ XXXX. Experians dispute results are sham results with no decipherable explanation or documentation provided to me. 
XXXX. Experian failed to properly address my disputes, and relied only on the furnishers ' responses without further investigation. 
XXXX. Experian improperly reinserted inaccurate information back into my report. 
XXXX. Experian failed to provide me with proper notice of their decision. 
XXXX. Experian failed to provide me with equitable access to the dispute process by limiting my contribution to the dispute process in favor of the furnisher. 
____________ Experians action are unfair practices in violation of the Consumer Financial Protection Act. Experian relied excessively on XXXX response. This is despite the fact that I provided XXXX pages of verifiable documents that show XXXX response to be unreliable.

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