Consumer complaint received 2025-01-19 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: RI

Complaint narrative:
I am reaching out to formally address inaccuracies and disputes in my credit report maintained by Experian Information Solutions , Inc. ( " Experian '' ). I am seeking the CFPB 's assistance to hold Experian accountable for its repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), as highlighted in the lawsuit filed by the Bureau ( Case No. XXXX ). These issues have caused me measurable harm and placed an undue burden on me. 

Violations Identified : Neglecting Reinvestigation Requirements : Experian has failed to conduct proper reviews of disputed information as mandated by FCRA Section 1681i ( a ) ( 1 ) ( A ), relying instead on insufficient processes like incomplete Automated Credit Dispute Verifications ( ACDV ). 

Failure to Notify Furnishers in a Timely Manner : Experian has violated FCRA Section 1681i ( a ) ( 2 ) ( A ) by failing to forward all relevant information to furnishers within the required timeframe.

Handling of Hard Inquiry Disputes : Experian declines to investigate hard inquiry disputes without arbitrary preconditions, contrary to FCRA Sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ).

Providing Misleading Updates to Consumers : Experians notices regarding dispute outcomes are often unclear or contradictory, in violation of FCRA Section 1681i ( a ) ( 6 ).

Accuracy Standards : Experian has not implemented sufficient procedures to ensure maximum accuracy in consumer reports, breaching FCRA Sections 1681i ( a ) ( 5 ) and 1681e ( b ).

Personal Impact : Experians noncompliance has resulted in : - Rejection of credit and housing applications due to inaccuracies on my report.

- Emotional distress from repeated, unresolved disputes. 
- Financial setbacks tied to false hard inquiries and unverifiable account information. 

Disputed Information : Collections and Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experians actions , as established in CFPBs lawsuit, violate several laws : - FCRA Section 1681e ( b ) : Lacking sufficient procedures for accuracy.

- FCRA Section 1681i ( a ) : Failure to notify furnishers, reinvestigate, and provide consumers with clear results. 
- FCRA Section 1681i ( a ) ( 5 ) : Reinserting incorrect information without authorization or notification.

- CFPA Section 5536 ( a ) : Engaging in unfair and deceptive practices.

Request for Assistance : Conduct a thorough investigation into Experians compliance with FCRA and CFPA requirements.

Direct Experian to : - Remove all inaccurate, unverifiable, or outdated information from my report. 
- Provide a detailed report of the steps taken to resolve these disputes. 
- Impose penalties and corrective measures to prevent further consumer harm.

Statement : I declare that the information in this complaint is true and accurate to the best of my knowledge. I urge the CFPB to act promptly to rectify these violations and safeguard consumer rights.

Thank you for addressing this matter.

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