Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Credit Bureau I am filing this complaint against Experian for failing to properly investigate disputes on my credit report, in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite sending multiple dispute letters to Experian requesting the correction of errors on my credit report, they have failed to comply with their obligations under the law. As a result, Experian continues to report inaccurate information regarding my name and address.

Account Information : The following accounts are being reported inaccurately, and Experian has refused to investigate them properly : XXXX XXXX XXXX XXXX XXXX  Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX Incorrect Information : The following names and addresses are incorrectly reported on my credit report : Name : XXXX XXXX ( should be XXXX XXXX XXXX ) Name ID # XXXX Name : XXXX XXXX ( should be XXXX XXXX XXXX ) Name ID # XXXX Name : XXXX XXXX XXXX ( should be XXXX XXXX XXXX ) Name ID # XXXX Name : XXXX XXXX XXXX ( should be XXXX XXXX XXXX ) Name ID XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( should be XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Correct Information : Correct Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Phone Number : ( XXXX ) XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681e ( b ) : This section requires that a credit reporting agency like Experian follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experians failure to properly investigate these disputes and continue reporting incorrect information violates this requirement.

2. 15 USC 1681s-2 : This section places responsibility on furnishers of information ( such as creditors or lenders ) to report accurate information to the credit bureaus. When an error is identified and disputed, the furnisher is obligated to investigate and correct the information. In my case, Experian has failed to ensure the accurate reporting of my credit information despite my disputes.

3. 15 USC 1681i ( 5 ) : Under this section, if a consumer disputes an item on their credit report, the credit reporting agency must provide a response within 30 days and update or remove the inaccurate information. Experian has failed to respond adequately to my disputes within the required time frame and has not removed or corrected the inaccurate information.

4. 15 USC 1681c ( c ) : This section requires that inaccurate information that is incomplete or unverifiable must be removed after an investigation. Experian has refused to remove outdated or incorrect information from my credit report, which has not been properly investigated or verified, violating this provision.

Action Requested : I request that Experian immediately delete all accounts listed above due to the noncompliance of 15USC and all of the multiple laws attached to 15USC.

Additional Information : Experians failure to properly investigate these disputes and update my credit report is negatively impacting my ability to access credit, housing, and employment opportunities. The recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for failing to conduct proper investigations and remove inaccurate information highlights that this is part of a systemic problem at Experian, and I am seeking resolution of my case as part of this broader action.

Specific Details : XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above. 
XX/XX/XXXX - I sent a letter disputing inaccuracies on the accounts listed above.

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