Consumer complaint received 2025-01-25 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:
This notice is in reference to longstanding errors and disputes for inaccuracies on my credit report as reported by EXPERIAN due to failed thorough investigations for these ongoing issues. 

Over the past XXXX years, I have repeatedly reached out to EXPERIAN to address these discrepancies. Despite my best efforts, including multiple written requests and phone calls, I have yet to see any resolution. The specific inaccuracy on my credit report is an incorrect bankruptcy. The U.S. Bankruptcy Court for the XXXX XXXX XXXX Georgia stated that they did not provide information to Experian and neither did I XXXX XXXX This is a longstanding error and I have disputed this inaccuracy on my credit report as reported by EXPERIAN due to failed thorough investigations for this ongoing issue. 
I am referencing the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct reasonable investigations into disputes of credit reporting errors. Specifically, Section XXXX of the FCRA clearly states : The consumer reporting agency shall, free of charge, conduct a reasonable investigation of a consumers dispute, and shall correct any inaccuracies. 
EXPERIAN has failed to adhere to these regulations as I have yet to receive satisfactory proof that they have conducted an appropriate investigation or rectified the inaccuracies on my credit report. 

Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to fair treatment and accurate reporting of my financial information. This lack of response and resolution constitutes a violation of my rights. 

Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, it is mandated that credit reporting agencies such as EXPERIAN verify the accuracy of the information provided by creditors before it is reported. Obligation of Credit Reporting Agencies : A-The FCRA requires credit reporting agencies to obtain and maintain proper documentation and disclosures which show proof of consent from consumers allowing creditors access to their credit information. B-The credit reporting agencies are responsible for ensuring maximum possible accuracy in consumer reports, and without certified documents from the information furnishers asserting the truthfulness of the reported data, it is not permissible for inaccurate information to be recorded in a consumer 's credit file. Prior to the reinsertion of an item on my credit report, Section XXXX of the FCRA mandates that the furnisher has verified the accuracy of the disputed information. MY INFORMATION HAS BEEN CONTINUOUSLY REINSERTED WITH THESE VIOLATIONS. 

Failure to Provide Documents and Compliance : XXXX. I have not received any certified documents confirming the veracity of the information reported by any of these creditors. XXXX. There is no documentation showing that the information was appropriately certified as being true and accurate by the furnisher violating the requirements set forth by the FCRA. 

I kindly ask that the CFPB take appropriate measures to investigate this matter and ensure compliance from EXPERIAN regarding the FCRA and FDCPA. I also request that you provide me with updates on your findings and any actions taken in response to my dispute. 


Thank you for your attention to this matter. I appreciate your prompt response to resolve these longstanding errors.

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