Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want to begin by commending the Consumer Financial Protection Bureau ( CFPB ) for its steadfast commitment to holding Experian accountable for its harmful, deceptive, and unlawful practices. The recent lawsuit filed against Experian for their mishandling of consumer disputes, sham investigations, and other violations is a pivotal step in protecting the rights of consumers like me.For over a year, I have been disputing inaccurate information on my credit report with Experian. Despite providing clear evidence and repeatedly referencing their legal obligations under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Experian has continuously failed to address these issues properly. My experience with Experian reflects a disturbing pattern of neglect and noncompliance with their responsibilities. Over the XXXX XXXX, I have submitted multiple detailed dispute letters, each providing evidence that highlights inaccuracies on my credit report. Experian has failed to conduct legitimate investigations, instead uncritically accepting responses from furnishers without verifying their accuracy or reliability. Despite my efforts, Experian continues to report false information on my credit report. This refusal to correct inaccuracies directly violates the FCRA and their obligations to ensure accurate reporting. Experians responses to my disputes have been vague, incomplete, and inconsistent, often leaving me without clear answers or resolutions. This has prolonged the process and left me without recourse to correct the errors that are harming my credit. Experians failure to resolve these disputes has caused significant and ongoing harm to my life, including. The continued presence of inaccurate information has denied me access to credit, increased my financial burdens, and limited my opportunities for housing and other essentials.The stress of dealing with these unresolved disputes for over a year has caused immense frustration XXXX XXXX. Inaccurate credit reporting has prevented me from achieving financial stability and pursuing opportunities that depend on a fair and accurate credit report.I respectfully request that the CFPB take the following actions : Investigate Experians handling of my disputes and their compliance with 15 U.S.C. 1681i. Require Experian to remove the false information from my credit report immediately. Impose penalties to hold Experian accountable for their deceptive and harmful practices, ensuring justice for myself and other consumers impacted by their actions.I deeply appreciate the CFPBs efforts to enforce accountability within the credit reporting industry. Experians unlawful practices have caused substantial harm to my financial and personal life. It is my hope that through your investigation and enforcement actions, justice will prevail, and Experian will be compelled to comply with the law. Thank you for addressing this critical issue. I am prepared to provide any additional information or documentation necessary to support your investigation.

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