Consumer complaint received 2025-01-21 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:
Since XX/XX/year>, I have submitted multiple disputes to Experian regarding inaccuracies on my credit report. Each dispute included detailed documentation supporting my claims. However, Experian has repeatedly failed to conduct a reasonable investigation or resolve the issues. Their responses to my disputes have been vague, generic, and appear to involve no meaningful investigation. Despite my numerous attempts to address these inaccuracies, the issues remain unresolved, negatively impacting my credit report and financial standing. 

XXXX actions appear to violate their obligations under the Fair Credit Reporting Act ( FCRA ). The law requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes information on their report. In my case, Experian has failed to verify the disputed items with the data furnishers or provide an explanation for their decisions. Instead, they have consistently dismissed my disputes without taking appropriate action or providing detailed findings. 

To provide context, I submitted my first dispute to Experian in XX/XX/year> regarding inaccuracies related to an account, balance and inquiries. I provided supporting documentation, but Experian failed to correct the information or offer a proper explanation. Frustrated by their lack of action, I submitted follow-up disputes in subsequent months, providing additional evidence to clarify the errors. Despite my efforts, Experians responses have remained unsatisfactory, and the disputed items persist on my credit report. 

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic violations of the FCRA. The lawsuit highlights Experians failure to handle disputes appropriately, and my experience aligns with these allegations. It appears that Experian has engaged in a pattern of neglect when addressing consumer disputes, failing to comply with their legal obligations to conduct thorough and reasonable investigations. 

Experians mishandling of my disputes has caused ongoing harm. The unresolved inaccuracies on my credit report have negatively impacted my credit score, resulting in denials of credit, higher interest rates, financial distress, emotional distress. This situation has been extremely frustrating and has undermined my trust in XXXX ability to fulfill its role as a credit reporting agency. 

I respectfully request that the CFPB investigate XXXX handling of my disputes and compel them to take corrective action. Specifically, I ask that Experian conduct a thorough and reasonable investigation of the disputed items, provide a detailed explanation of their findings, and correct the inaccuracies on my credit report. Furthermore, I request appropriate compensation for any harm caused by their failure to comply with the FCRA. 

Attached to this complaint are copies of my dispute letters, supporting documentation, and XXXX responses where available. I hope this information will assist the CFPB in addressing this matter and holding Experian accountable for their actions. 

Thank you for your attention to this complaint. I look forward to your response and assistance in resolving these issues. 

Sincerely, XXXX 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