Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. I am writing to formally dispute the accuracy of certain items appearing on my credit report, specifically relating to accounts associated with Closed account, late payment, identity theft, and duplicates of accounts selling accounts on good faith and fair value like a revolving door, referenced under 15 USC 1681 and 15 USC 1681 e of the Fair Credit Reporting Act ( FCRA ). Responsivities of furnishers of information to consumer reporting agencies Upon reviewing my credit reports from all three major credit bureaus, I have identified inaccuracies that I believe violate my rights under the FCRA. I request that you reinvestigate these items promptly and remove them immediately. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPT OF EDXXXX XXXX I have previously reported these inaccuracies, yet they have been reinstated in my report as accurate, which I believe is unfounded. Furthermore, I have checked these businesses with the XXXX XXXX XXXX XXXX XXXX XXXX, and they do not appear in their records, raising further doubt about their legitimacy. 
As a result of these inaccuracies, I am requesting compensation of {$1.00}, OOO for each account listed above, totaling {$4000.00}. I have attached documentation supporting my claims for your review. Also XXXX in damages, XXXX, Stress, and Embarrassment : Financial instability caused by credit errors can cause extreme emotional strain. Damage to Reputation : A low credit score can unfairly label you as irresponsible, impacting your ability to secure financial stability. Experience willfully violates the law. Experience is negligent, I have disputed 75 accounts, and they came back accurate. Experience does not properly investigate disputes and fails to remove or reinsert errors in reports, threatening consumers with access to credit, employment, and housing. On XXXX XXXX, 2025 1 sent a request for Validation of Credit report information, you a send a letter back stating that you use XXXX to do your investigations. I contacted XXXX and it was brought to my attention that they don't have any of these accounts on my record. 
Please respond to this letter within 30 days, as required by the FCRA. I expect a thorough investigation and appropriate corrective actions to be taken. Failure to rectify these inaccuracies may lead me to pursue further action to protect my rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Documentation of inaccuracies Correspondence related to previous disputes BBB verification documentation ( if available )

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