Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am filing this complaint regarding Experians handling of disputes and inaccurate reporting on my credit report. My report includes numerous accounts with late payments, charge-offs, delinquencies, and settled accounts that were not properly investigated or corrected, despite submitting disputes and providing relevant information. This appears to align with the systemic issues described in the CFPBs lawsuit against Experian for sham investigations. 

Key Issues from My Credit Report : 1. Accounts with Charge-offs and Written-off Amounts : Account Name : XXXX  XXXX Account Number : XXXX Details : Account charged off, {$420.00} written off as of XX/XX/XXXX. Past due amount remains unresolved, and previous dispute status indicates investigation complete. 
Account Name : XXXX XXXX  Account Number : XXXX Details : Account charged off, {$140.00} written off. Past due amount remains unresolved. Dispute process lacks transparency.

Account Name : XXXX XXXX XXXX  Account Number : XXXX Details : Account charged off, {$12000.00} written off, with {$7200.00} past due as of XX/XX/XXXX. This account has a lengthy history of negative reporting without resolution.

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Details : Account charged off, {$11000.00} written off. Past due balance of {$14000.00} remains unresolved. No clear evidence of a proper dispute investigation.

2. Accounts Paid in Settlement : Account Name : XXXX  XXXX Account Number : XXXX Details : Account paid in settlement, with {$360.00} written off. Reporting suggests prior disputes, but errors remain unresolved.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Details : Account paid in settlement, with {$9700.00} written off. Dispute process unclear, and status continues to reflect negatively on my credit report.

3. Accounts with Late Payments or Delinquency : Account Name : XXXX XXXX  Account Number : XXXX Details : Account has 1 late payment and is currently reported as 94 % credit usage ( {$490.00} balance out of {$520.00} limit ).

Account Name : XXXX XXXX XXXX Account Number : XXXX Details : Account has two late payments, with a past due amount during its reporting period. Closed status does not match provided dispute records.

4. Accounts with Disputes Marked Complete Without Proper Resolution : Several accounts ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX ) show a dispute completed status, yet errors persist. These include inaccurate charge-offs, incorrect balance details, and unresolved derogatory indicators.

Impact on Me : The errors and unresolved disputes in my credit report have caused significant harm : A reduced credit score ( XXXX FICO Score as of XX/XX/XXXX ), making it difficult to secure loans or favorable financial terms. Ongoing financial hardship and stress due to
Experians lack of proper dispute resolution.

Emotional distress caused by the perception of financial unreliability based on inaccurate reporting.

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