Consumer complaint received 2025-01-12 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:
I am submitting this complaint against Experian for failing to comply with federal laws governing credit reporting, including but not limited to 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). I have repeatedly disputed inaccuracies on my credit report, yet Experian has failed to conduct proper investigations or correct the errors, as required by law.

Details of the Issue : 1. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) : Experian has continued to report inaccurate information on my credit report, despite my providing evidence to refute the inaccuracies.

2. Negligence in Investigating Disputes ( 15 U.S.C. 1681i ) : I have sent multiple dispute letters to Experian, yet they have not conducted a reasonable reinvestigation. The errors persist on my report without explanation or resolution.

3. Reinsertion of Errors ( 15 U.S.C. 1681i ( 5 ) ) : After disputing certain inaccuracies, I noticed that some removed items were reinserted without proper notice or certification, violating federal regulations.

4. Failure to Investigate and Correct Errors ( 15 U.S.C. 1681s-2 ) : Despite notifying Experian of these inaccuracies, they have failed to comply with their duty to investigate and ensure the accuracy of the reported information.

Impact on My Life : These reporting failures have caused significant harm to my financial standing. I have been denied credit and employment opportunities and faced higher interest rates due to the inaccurate credit report.

CFPB Sues Experian for sham investigate or credit Report errors, which highlights that Experian has a documented history of neglecting consumers rights by failing to remove or properly investigateerrors in the credit reports. 
This issue has significantly impacted me ability to access credit, housing, and employment opportunities, causing me financial and XXXX XXXX 

XXXX I sent a letter disputing Account, inaccurate collection account, incorrect late payment. 

XXXX Experian responded was they found no errors. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relevant Context : I recently learned about the lawsuit filed by the CFPB against Experian, which alleges systemic failures in properly investigating credit report disputes. My experience aligns with the claims in the lawsuit, further underscoring a pattern of noncompliance by Experian. 
Actions Requested : 1. Investigate Experians handling of my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Require Experian to correct the inaccuracies on my credit report promptly and remove these items from my credit report.

3. Hold Experian accountable for failing to comply with federal laws and ensure they take corrective action to prevent similar issues in the future.

4. Provide me with updates on the status of this complaint and any actions taken against Experian. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.

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