Consumer complaint received 2025-02-25 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 writing to submit a claim against Experian and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and failing to investigate disputes in a timely and reasonable manner and should now be required to delete the inaccurate/disputed information. 
On XX/XX/XXXX, I submitted disputes to XXXX regarding errors on my credit report. XXXX responded on XX/XX/XXXX, " validating the debt '' ( which has nothing to do with this dispute ) without conducting a proper investigation. I have attached documentation of these disputes and XXXX 's response. 
On XX/XX/XXXX, I submitted a claim to the CFPB against Experian ( Claim # XXXX ) detailing the errors on my credit report, including documented errors, and account payment history being reported. Experian has yet to respond to this claim. 
On XX/XX/XXXX in a dispute of multiple disputes I requested proof of the investigation, method, and documentation, which has not been provided. 
On XX/XX/XXXX, I sent documented proof of XXXX 's failure to conduct an investigation within 30 days to Experian. Despite this evidence, Experian has failed to delete the negative information from my credit report. 
In contrast, XXXX updated the XXXX account on XX/XX/XXXX, showing no late payments after conducting an investigation into the same disputes and claim. I have also attached documentation of XXXX 's update of CFPB investigation on XX/XX/XXXX. 
Experian 's failure to investigate and delete the negative information has significantly impacted my XXXX XXXX and ability to earn a living, as I rely heavily on my credit scores and creditworthiness. 
The FCRA requires credit bureaus to investigate disputes within 30 days. If the furnisher ( XXXX ) fails to respond or investigate the dispute within the required timeframe, the credit bureau must delete the disputed information. 
XXXX 's actions have violated multiple provisions of the FCRA, including : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation of disputes.

2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete disputed information after being notified of the furnisher 's failure to investigate. 
Furthermore, Claims made against XXXX in the past 10 years are numerous, but unfortunately, I couldn't find an exact count. However, here are some notable ones : XXXX is currently facing a class-action lawsuit for opening accounts without customers ' permission, damaging their credit scores, which I was a victim of as well. 
- XXXX XXXX XXXX : A class-action lawsuit was filed in XX/XX/XXXX, alleging that XXXX opened XXXX XXXX accounts without customers ' permission, damaging their credit scores.

- Credit Reporting Issues : Many customers have reported issues with credit reporting, including inaccurate information and unauthorized credit inquiries. 
- Billing and Payment Disputes : Some customers have disputed billing and payment issues, including unauthorized charges and incorrect payment amounts. 
- Small Claims Court Lawsuits : There are reports of customers being sued in small claims court for unpaid debts, with some customers claiming they were never notified of the debt. These claims suggest that XXXX may have significant issues with customer service, billing, and credit reporting. If you're experiencing issues with XXXX, it's essential to file a complaint with the relevant authorities and seek assistance from a consumer protection attorney. 
Additionally, XXXX and Experian have faced lawsuits for violating the FCRA and failing to investigate disputes properly.

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