Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
These XXXX  continuously use automated processes which result in 30 second results being provided which ultimately result in your credit report reflecting even more inaccurate information. In XXXX alone, I have filed multiple ( FTC ) Federal Trade Commission Complaints along with multiple ( CFPB ) Consumer Finance Protection Bureau complaints and yet nothing has been done relative to improving the process when it comes to disputing information. The only resolution provided is to " write them '' which is my next course of action in tandem with initiating multiple complaints within the the court of law. Most recently, I filed multiple disputes with Experian which was completed on the same day instantly ( XX/XX/year> ) and as a result, my credit report now includes multiple statuses for accounts that I disputed which read " inaccurate date ''. Additionally, Experian is supposed to follow the 30 day rule requiring them to complete thorough investigations to ensure they are abiding by the federal/and sate consumer laws however this is not the case. Experian allows major banks/and creditors to report false, felonious, and inaccurate data even when the consumer provides legal documents to justify the request. Based on these actions, Experian is purposefully violating the ( FCRA ) Fair Credit Reporting Act, ( FTCA ) Federal Trade Commission Act by allowing data furnishers to do things such as : allow lenders, banks, and creditors to report multiple statuses simultaneously ( i.e. charged off, balance written off, balance past due ) on the same account and in turn the creditor than attempts to collect the debt specifically for credit cards ; for example. All of these creditors are being allowed to report XXXX different statuses on each account reported by Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is illegal and credit bureaus are not allowed to report felonious information which they can not verify. XXXX XXXX account was managed and handled by a law office who initiated/and completed a legal settlement on my behalf and even after i provided LEGAL DOCUMENTS as attachments to my dispute, Experian still refuses to remove this inaccurate information. I confirmed with the law office who initiated my settlement that legally this account can be removed from my credit report and I shouldn't have to get another lawyer to assist with this matter. HOWEVER, EXPERIAN COULD CARE LESS! Experian does not take the time to verify information and instead merely uses automated algorithms to blatantly close out disputes from consumers resulting in continuous lawsuits and complaints because they refuse to correct the information reported. To this extent, Experian also raises and then purposefully decreases consumer credit scores at the beginning of each month between the dates of the XXXX and XXXX and always assumes that the data being furnished by creditors, and banks is correct when in reality a vast majority of the information provided is incorrect and has to be disputed by lawyers who sue these same companies on behalf of consumers just so Experian can continuously report inaccurate information at the expense of the consumer whose credit profile suffers immensely. Experian also refuses to remove information that is not correct such as my name, and addresses that contain incorrect information. IF THESE ISSUES THAT I HAVE REPORTED ARE NOT ADDRESSED I WILL BE SUING EXPERIAN FOR AT LEAST XXXX XXXX DOLLARS FOR VIOLATING THE ( FCRA ) FAIR CREDIT REPORT ACT, AND THE ( FTCA ) FEDERAL TRADE COMMISSION ACT.

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