Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX and XXXX for their failure to accurately report credit information, which has resulted in significant harm to my financial standing. Despite multiple disputes and provided evidence, they continue to knowingly report incorrect information, violating the Fair Credit Reporting Act ( FCRA ) and causing me severe financial and emotional distress. Due to these repeated violations and the harm caused, I demand that XXXX be permanently blocked from reporting to my credit files. I am requesting that this complaint be escalated to all parties, Corporate offices, and Officers. 

Complaint Details : Double Reporting and Manipulation of Account Numbers by XXXX XXXX is double-reporting the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX account numbers, repeatedly altering the account details to ensure continued damage to my credit file. 

In a recorded call, a Supervisor named XXXX from XXXX XXXX XXXX Department initially stated that XXXX was reporting the accounts accurately. However, she later contradicted herself by validating that XXXX was indeed double-reporting the same accounts with different account numbers. This direct contradiction demonstrates XXXX deliberate attempt to manipulate reporting practices while falsely claiming compliance. 

XXXX Complicity in Reporting Inaccurate Information Despite acknowledging the inaccuracies, XXXX continues to report the erroneous data due to its business relationship with XXXX. 

In a recorded call with Sham from XXXX Dispute Department, he admitted that the information was inaccurate but claimed there was nothing he could do because XXXX kept verifying the disputed information. 

Sham referred me to the XXXX XXXX XXXX, where I spoke with a representative named XXXX. XXXX stated that XXXX could not remove the inaccurate reporting because XXXX is XXXX 's business partner, and their agreement allows XXXX to dictate the reporting. I am including XXXX and Experian in this complaint so that they understand that a generic response from a dispute process from the data providers is not always accurate. 

Violations of the Fair Credit Reporting Act ( FCRA ) by XXXX and XXXX Violation of 15 U.S.C. 1681s-2 ( a ) : XXXX is knowingly furnishing inaccurate information to credit reporting agencies. 

Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX has failed to conduct a proper reinvestigation despite clear evidence of inaccuracies. 

Violation of 15 U.S.C. 1681e ( b ) : XXXX has failed to maintain the maximum possible accuracy in my credit report. 

Violation of 15 U.S.C. 1681i : XXXX has not properly investigated my disputes, as required by law.

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