Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
Complaint Against Experian Information Solutions , Inc . 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian Information Solutions , Inc. ( Experian ) regarding their handling of my credit report and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). This letter outlines the issues I have faced, which I believe merit your attention. 

Since XX/XX/XXXX, I have disputed inaccurate information on my credit report a total of 36 times. Despite my repeated efforts to resolve these discrepancies, Experian has consistently failed to reasonably reinvestigate my disputes. Specifically, I have encountered the following issues : 1. Failure to Forward Relevant Information : Experian has not forwarded all relevant information regarding my disputes to the data furnishers. This omission has resulted in the continuation of inaccurate information on my credit report.

2. Inadequate Notice of Dispute Outcomes : On numerous occasions, I have not received adequate or accurate notifications regarding the outcomes of my disputes. This lack of communication has left me in the dark about the status of my credit report and the inaccuracies affecting my credit score.

3. Unreasonable Procedures : Experian has not utilized reasonable procedures to ensure the accuracy and completeness of the information in my file. As a direct result of these failures, collection companies have updated and re-reported inaccuracies, further compounding the negative impact on my creditworthiness.

4. Failure to Properly Investigate Disputes : Under 15 U.S. Code 1681, Experian is required to conduct a proper investigation of disputes. However, they have not fulfilled this obligation. Instead, they appear to be relying solely on the information provided by the creditor or collection company, without conducting a thorough review of my claims.

5. Lack of Document Verification : Furthermore, Experian has not pulled actual documents to verify the accuracy of the accounts in question, as mandated by 15 U.S. Code 1681. This lack of due diligence compromises the integrity of the credit reporting process and continues to affect my financial opportunities.

The ongoing inaccuracies in my credit report have significantly hindered my ability to obtain credit, affecting my financial well-being and opportunities since XX/XX/XXXX. The persistent issues I have faced with Experian violate the FCRA and the CFPA, as I believe they have acted negligently in their duty to maintain accurate consumer information. 

I kindly request that the Consumer Financial Protection Bureau look into this

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