Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CFPB I am writing to formally file a complaint regarding Experians consistent failure to comply with federal consumer protection laws, particularly the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to dispute inaccurate information on my consumer report, Experian continues to refuse to process my disputes, violating my rights as a consumer. 
It is my legal right to dispute any information on my credit report that I believe to be inaccurate. This report is **my** consumer report, not Experians, and I have every right to ensure its accuracy. Experian, a for-profit company that purports to protect consumer data, has repeatedly failed in its duty by neglecting my disputes. Despite providing the proper identification and clear evidence of inaccuracies, Experian continues to stall, using excuses such as claiming the dispute was not sent by the consumer. This is entirely unacceptable. 
Experian 's practices appear deliberately designed to avoid fulfilling their legal obligations to consumers. By refusing to process legitimate disputes, Experian not only disregards the law but also profits off inaccurate information that plagues consumer credit reports. Their lack of transparency, efficiency, and accountability is a blatant violation of my consumer rights. 
I previously submitted a complaint ( ID : XXXX ) on XX/XX/year>. As of XX/XX/year>, I received yet another of Experian 's template letters claiming they will not process the disputed information. This is a clear indication of their pattern of delay tactics and refusal to comply with legal obligations. I have attached the letter as a reference. Furthermore, I believe Experian 's actions disproportionately impact XXXX XXXX particularly XXXX and XXXX American consumers, who face discriminatory practices and deliberate negligence in the handling of their disputes. Experians refusal to address disputes and correct credit reports contributes to systemic inequalities, further damaging the financial standing of XXXX XXXX 
I will not tolerate this blatant disregard for my rights any longer. I will be pursuing legal action against Experian for non-compliance with federal law and for violating my consumer rights. I will also seek compensation for their failure to act, their ignorance, and their discriminatory practices. Experian can not continue to ignore the law, and I am prepared to take all necessary steps to hold them accountable. 

I urge the CFPB to take swift and decisive action against Experian for these unlawful practices. Experian 's continued refusal to process disputes, despite clear evidence, is unacceptable and harmful to consumers nationwide. I look forward to your immediate attention to this matter. 

Sincerely, 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