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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Date : XX/XX/year> Subject : Formal Complaint Against Experian for Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB Officer, I am submitting this formal complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 1. **15 USC 1681e ( b ) ** Failure to ensure maximum possible accuracy in reporting.

2. **15 USC 1681s-2** Failure of data furnishers to properly investigate disputes.

3. **15 USC 1681i ( 5 ) ** Failure to conduct proper reinvestigation of disputed information.

4. **15 USC 1681c ( c ) ** Improper reporting of obsolete information.

I have attempted to dispute multiple inaccuracies on my credit report with Experian regarding the following accounts : - XXXX XXXX XXXX XXXX XXXX ( Account Number : [ Redacted ] ) - XXXX XXXX XXXX ( Account Number : [ Redacted ] ) - XXXX XXXX XXXX Account Number : [ Redacted ] ) - XXXX XXXX XXXX Account Number XXXX [ Redacted ] ) - XXXX XXXX XXXX  ( Account Number : [ Redacted ] ) - XXXX XXXX XXXX XXXX  XXXX Account Number XXXX [ Redacted ] ) - XXXXXXXX XXXX XXXX ( Account Numbers XXXX [ Redacted ] ) - Bankruptcy Record ( Case Number : [ Redacted ] ) Despite my repeated dispute letters, Experian has failed to adequately investigate and correct the errors, which violates my rights under the FCRA. To make matters worse, the recent CFPB lawsuit against Experian titled " CFPB sues Experian for sham investigations of credit report errors '' highlights that Experian has a documented history of neglecting consumer rights by failing to remove or properly investigate errors in credit reports. This ongoing issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me both financial and emotional distress. 

I am requesting the immediate removal of the above accounts from my credit report due to Experian 's continued non-compliance with 15 USC and multiple other federal laws governing consumer credit reporting accuracy and fairness.

I request the CFPB take immediate action by : 1. Investigating Experian 's failure to properly handle my disputes.

2. Requiring Experian to provide detailed validation of the disputed accounts or remove them from my credit report.

3. Imposing appropriate penalties for their continued non-compliance.

I have attached copies of my dispute letters, credit reports, and supporting documentation highlighting the discrepancies for your review. These documents include the letters I sent to Experian, XXXX, and XXXX, as well as proof of unresolved disputes despite multiple attempts at XXXX. 

Thank you for your prompt attention to this serious matter. I trust the CFPB will enforce the law and ensure Experian corrects these violations. 

Sincerely, XXXX 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