Consumer complaint received 2025-01-20 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: TN

Complaint narrative:
I am writing to file a formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe Experian has violated the following provisions : 1. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting information on my credit report in other words 2. 15 U.S.C. 1681i : Failure to properly reinvestigate disputes I have filed.

3. 15 U.S.C. 1681c : Reporting outdated or prohibited information.

4. 15 U.S.C. 1681s-2 : Failure to ensure that information provided by furnishers complies with the law.

While I have disputed some inaccuracies in my credit report, I have not reported ALL inaccuracies. Despite this, I believe Experian has not met its legal obligations to maintain accuracy, properly investigate disputes, or prevent harmful errors from appearing on my credit report. I have experienced harmful situations which have impacted my daily life with : Denial of credit, credit cards, and car loans XXXX XXXX XXXX XXXX opportunities Financial and emotional distress Increased interest rates All from companies such as XXXX XXXX  running my credit several times for a car loan as well as placing inquiries from different companies, XXXX XXXX and XXXX XXXX all giving high interest rates alongside me having fresh credit and being at a XXXX age. Financial distress far as me not being able to care and provide for my family to get them the things they need and also having no transportation due to the denial of credit loans I request that Experian : 1. Conduct a thorough review of my credit report for accuracy.

2. Provide documentation of all disputes and investigations related to my credit file.

3. Ensure compliance with all relevant FCRA provisions moving forward.

In addition to the inaccuracies and negative items on my credit report, I am deeply concerned about unauthorized or erroneous inquiries listed on my Experian report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), credit inquiries should only appear on my credit report if I have explicitly authorized them or initiated a transaction requiring such inquiries. The presence of these inquiries not only misrepresents my credit history but also adversely impacts my credit score, further hindering my ability to obtain loans, credit cards, or housing. I respectfully request that Experian thoroughly investigate these inquiries and remove any that are unauthorized, inaccurate, or otherwise fail to comply with the requirements of the FCRA. 
These inquiries are causing me significant distress as they unfairly contribute to the denial of essential financial opportunities. The constant struggle to rectify these issues with Experian has created emotional and financial strain, impacting my ability to plan for my future and support my family. It is critical that these inquiries are addressed promptly to ensure my credit report accurately reflects my financial history and to restore fairness to my credit report. 
I also request that your office investigate these concerns and take appropriate action to hold Experian accountable. 

Thank you for your attention to this matter. Please feel free to contact me XXXX or XXXX for additional information.

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