Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Complaint Summary This complaint outlines Experians repeated and systemic failures to handle disputes regarding inaccurate information on my credit report. Over the course of several months, I filed 12 formal disputes with Experian, all of which were either inadequately addressed or ignored. Despite providing clear evidence of inaccuracies, Experian has failed to conduct meaningful investigations, correct errors, or provide adequate responses as required under the Fair Credit Reporting Act ( FCRA ). 

These failures have caused me significant financial harm, emotional distress, and reputational damage. Below is a detailed chronological summary of each complaint filed with Experian, the issues raised, their responses, and the outcomes. 

Chronological Summary of Complaints XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over inaccurate reporting of a {$4600.00} past-due balance with XXXX XXXXXXXX XXXX 
Experian Response : Generic response claiming the account was verified, but no supporting documentation was provided. 
Outcome : Inaccuracy remains unresolved. No meaningful investigation was conducted. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over a {$2300.00} charged-off account with XXXX  XXXX. 
Experian Response : Provided a generic response stating the account was verified, but no evidence or explanation was provided. 
Outcome : The account remains inaccurately reported. Experian failed to provide verification or correct the error. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute regarding multiple inaccuracies, including unverifiable late payments and balances. 
Experian Response : Generic response with no details of the investigation process. 
Outcome : No changes were made to the credit report. Experian failed to address the inaccuracies. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Allegation of a sham investigation into previously disputed accounts. 
Experian Response : Claimed the disputes were frivolous, without providing any explanation or evidence. 
Outcome : Experian did not investigate the dispute and failed to comply with FCRA requirements. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over unresolved inaccuracies in multiple accounts, including XXXX XXXX XXXX and XXXX XXXX. 
Experian Response : Generic response stating the accounts were verified, but no documentation was provided. 
Outcome : Inaccuracies remain unresolved. No meaningful investigation was conducted. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute regarding incomplete and inaccurate information on my credit report. 
Experian Response : Generic response with no details of the investigation. 
Outcome : No changes were made to the credit report. Experian failed to provide a meaningful resolution. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Allegation of Experians failure to conduct a meaningful investigation into previously disputed accounts. 
Experian Response : Claimed the accounts were verified, but did not provide supporting evidence. 
Outcome : Inaccuracies remain unresolved, and Experian failed to comply with FCRA requirements. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over inaccurate reporting of late payments and balances. 
Experian Response : Generic response with no explanation or supporting evidence. 
Outcome : Experian failed to correct the inaccuracies or provide verification. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over unresolved inaccuracies in XXXX XXXX XXXX and XXXX XXXX accounts. 
Experian Response : Generic response stating the accounts were verified, but no evidence was provided. 
Outcome : No changes were made to the credit report. Experian failed to resolve the dispute. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Allegation of incomplete investigation into disputed accounts. 
Experian Response : Generic response with no details of the investigation.

Outcome : No meaningful resolution was provided. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Failure to address inaccuracies in multiple disputed accounts. 
Experian Response : Pending resolution. No meaningful updates have been provided. 
Outcome : Delayed investigation with no resolution to date. 
XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over unresolved inaccuracies and Experians failure to investigate disputes adequately. 
Experian Response : Pending resolution. No meaningful updates have been provided. 
Outcome : Delayed investigation with no resolution to date. 
Harm Caused Experians actions have caused the following harm : Financial Harm : Denied credit applications. 
Higher interest rates on approved loans, increasing financial burden. 
Inability to refinance existing loans. 
XXXX XXXX  : Ongoing XXXX  and frustration caused by XXXX negligence and lack of accountability. 
Time and effort spent filing disputes and dealing with the consequences of inaccurate reporting. 
Requested Compensation : {$75000.00} Breakdown of Requested Amount : Actual Damages : {$25000.00} Financial harm : {$15000.00} XXXX XXXX XXXX {$10000.00} Statutory Damages : {$15000.00} FCRA violations : {$12000.00} ( XXXX violations at {$1000.00} each ). 
FDCPA violations : {$3000.00}. 
Punitive Damages : {$35000.00} For willful noncompliance and systemic failures. 
Attorneys Fees : {$5000.00} Anticipated legal expenses. 
Laws Violated Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681i : Failure to conduct reasonable investigations.

1681i ( a ) ( 5 ) : Failure to remove unverifiable information.

1681i ( a ) ( 6 ) : Failure to notify consumers of dispute results.

1681c ( f ) : Failure to mark disputed accounts as disputed.

Fair Debt Collection Practices Act ( FDCPA ) : 1692e : False or misleading representations. 
1692f : Unfair or unconscionable practices.

1006.38 : Failure to correct inaccuracies after disputes.

1692d : Harassing or abusive conduct.

Consumer Financial Protection Act ( CFPA ) : 5531 ( c ) : Unfair practices causing financial harm.

5531 ( d ) : Deceptive practices misleading consumers.

5531 ( e ) : Abusive practices exploiting consumers reliance on accurate reporting.

Federal Trade Commission Act ( FTCA ) : 5 : Unfair and deceptive practices in commerce.

Relief Requested I respectfully request the CFPB to : Investigate Experians systemic failures and violations of federal laws.

Impose penalties for their repeated noncompliance.

Order corrective action to resolve inaccuracies and improve their dispute resolution processes.

Award me {$75000.00} in damages for financial harm, emotional distress, and punitive damages. 
Attachments Dispute Records : Copies of all XXXX complaints filed with Experian. 
Credit Report ( XX/XX/year> ) : Evidence of unresolved inaccuracies. 
FTC Reports : Copies of complaints filed with the FTC regarding XXXX violations. 
Sincerely, XXXX XXXX XXXX : XXXX Phone : XXXX

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