Consumer complaint received 2025-01-24 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: UT

Complaint narrative:
Subject : Formal Complaint Against Experian Regarding Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally lodge a complaint against Experian regarding their failure to accurately report and address discrepancies on my credit report, despite my multiple attempts to resolve these issues directly with them. Below are the details of the accounts and issues : 1. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Original Balance : {$17000.00} Status Updated : XX/XX/XXXX The credit report shows three separate entries for this account with differing statuses. Two of these accounts indicate on time, never late, while one reflects a charged-off status. This inconsistency is misleading and inaccurate. 

I reached out to Experian and disputed this account, requesting proof and documentation. Despite this, Experian insists the information is accurate and verified. I subsequently contacted the original creditor, XXXX XXXX XXXX, who informed me they did not provide such information to Experian. This calls into question the validity of the data being reported by Experian. 

2. XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account Charged Off. {$390.00} written off. Past due as of XXXX XXXX XXXX : {$390.00} ( as of XX/XX/XXXX ) XXXX XXXX : {$300.00} The status for this account is confusing and misleading. It shows Account Charged Off with a past due balance as of XX/XX/XXXX. I have repeatedly disputed this with Experian, but it continues to come back as verified without clarification or proper documentation. 

Alias Name and Address Issue I have also attempted to correct my personal information on file with Experian. Specifically, I requested the removal of alias names that do not belong to me. I provided the required documentation, including my social security card, drivers license, and a utility bill. Despite complying with their request, Experian has now stated they require an additional ID. My drivers license is the only valid photo ID I possess. 

In addition, I have requested that Experian update my address to reflect my current residence, but this has yet to be resolved. 

Impact on My Finances These reporting errors and unresolved disputes have caused me significant hardship. I am diligently working on improving my credit and securing financing for a vehicle to support my family. However, these inaccurate reports and delays by Experian are unfair and are negatively impacting my ability to obtain necessary credit. 

Requested Resolution I respectfully request that the CFPB investigate this matter and assist me in ensuring the following : The inaccurate and misleading entries for XXXX XXXX XXXX and XXXX XXXX are corrected or removed from my credit report immediately. 
The alias names are removed from my credit file. 
My current address is accurately reflected on my credit report. 
I believe Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough investigation into these matters or providing me with documentation to substantiate their claims of accuracy. 

Thank you for your time and attention to this matter. I trust that you will handle this complaint with the urgency and fairness it requires. If you need additional documentation or further information, please do not hesitate to contact me directly. 

Sincerely, XXXX 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