Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
I am writing to file another complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Experian credit report contains inaccuracies that I have disputed multiple times. However, Experian has not conducted proper investigations as required by the FCRA. Specifically, on XXXX, and many other times through the years, I submitted disputes concerning the inaccurate information regarding addresses, names, and phone numbers, as well as credit reporting on my report. I have also asked to dispute the accounts on my report. Despite my efforts, Experian has failed to provide a thorough investigation, and I believe this constitutes a violation of my rights under the FCRA. At this point, I have not been able to have access to my report although I have tried to log in online, send a correspondence through their portal, and as well as I have tried to mail in documents as well. Nothing has been done and this is affecting my everyday life. As I mentioned above, I do not have any access to my report. I would love to be able to have access to properly dispute. 

The accounts that are not accurate are as follows : Dept. of EducationXXXX totaling over {$50000.00} ( All accounts listed ) My credit score as gone down tremendously because of the inaccurate reporting. These accounts shouldn't be on my report at all because they have been proven to be fraud through The Department of Education. If Experian truly investigated, they would have known this information. 

XXXX XXXX XXXX ending in XXXX in the amount of {$1100.00} is still showing on my report as well when this is not accurate. 

XXXX XXXX XXXX ending in XXXX in the amount of {$63.00}. This account is not accurate as well. This account will disappear and reappear. Needs to be removed XXXX XXXX XXXX in the amount of {$780.00} this information is not accurate and shouldn't be on my report as well. 

XXXX XXXX in the amount of {$330.00}. Not reporting accurately and needs to be removed XXXX XXXX in the amount of {$880.00}. This account is a debt buyer and does not show any information with the chain of assignment. This needs to be removed as well. 

XXXX XXXX XXXX XXXX in the amount of {$720.00}. Not accurate and needs to be removed XXXX XXXX XXXX XXXX in the amount of {$270.00}. Needs to be removed not accurate XXXX XXXX in the amount of {$79.00} is not accurate and needs to be removed My number has been changed and I have called this in, mailed in information as well as sent information through your link, and you still have failed to update this information. 

Your comment about my address needs to be removed because it does not pose a risk as you stated in the report. 

Any inquiries reporting needs to be removed because I have not applied to any services in a very long time. So any that would be fraud as I did not give any consent for that. 

You have violated me so many times to the point other actions need to be taken. You have caused my family delays due to the inaccurate information being reported.

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