Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I reviewed my Experian credit report and found several inaccuracies and issues violating the Fair Credit Reporting Act ( FCRA ). The following problems occurred : Failure to Reinvestigate Disputes : Despite multiple disputes I submitted to Experian regarding inaccuracies on my credit file, the issues were not adequately investigated. For instance : The XXXX XXXX account ( Account number ending in XXXX ) still reflects late payments despite being previously disputed and marked as resolved by the data furnisher. These late payments negatively impact my XXXX score. 
Failure to Remove Inaccurate Information : The XXXX XXXX XXXX XXXX  account ( Account number ending in XXXX ) continues to show a charge-off status, even though it was " Paid in Settlement. '' This account should have been updated to reflect accurate information. 

Improper Reinsertion of Deleted Data : A previously disputed and resolved delinquent record on the XXXX XXXX XXXX account ( Account number ending in XXXX ) was reinserted into my report without proper notice or validation. 

Distorted and Truncated Disputes : Experian mischaracterized the disputes I submitted by failing to convey them accurately to the furnishers. As a result, the furnishers returned inadequate responses, and Experian took no further action to validate the information. 

Failure to Ensure Maximum Accuracy : Experian did not follow reasonable procedures to assure the accuracy of the information reported. For instance : The XXXX Bank account ( Account number ending in XXXX ) reflects XXXX late payments that were previously disputed and deemed inaccurate. 
My overall credit usage ratio of 8 % is inaccurately calculated, as several zero-balance accounts are not reflected correctly in the utilization calculation. 
Actions Taken : I disputed the inaccuracies with Experian multiple times, providing supporting documentation. However, Experian failed to adequately address my concerns, remove inaccurate information, or correct the erroneous data. No adequate written notices were provided to explain the reinvestigations or justify their findings. 

Dates : XX/XX/XXXX : The most recent dispute was filed, addressing inaccuracies related to accounts, inquiries, and personal information. 
XX/XX/XXXX : The inaccurate information and unresolved disputes were confirmed during a review of my credit report. 
Requested Resolution : I request the following : Immediate reinvestigation of all disputed items with accurate conveyance to furnishers.

Removal of inaccurate, incomplete, and unverifiable information from my credit file.

Correction of improper reinsertions of previously deleted data.

Proper notification and documentation of reinvestigation results for transparency. 
Assurance that all future reinvestigations comply with FCRA and CFPB guidelines. 
XXXX negligence has caused significant harm to my creditworthiness and financial well-being. I seek consumer redress and request that the CFPB impose civil penalties to ensure compliance with federal laws.

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