Consumer complaint received 2025-01-14 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:
Issue : Experian 's Repeated Failure to Investigate and Correct Fraudulent and Inaccurate Accounts Details : I have disputed multiple accounts on my credit report, yet Experian has repeatedly failed to investigate or remove fraudulent and inaccurate information, violating the Fair Credit Reporting Act ( FCRA ). Below is a breakdown of the accounts in question and Experians failure to act : Account # XXXX ( XXXX XXXX XXXX ) : I was never late on this account, as evidenced by my payment history. Despite submitting multiple disputes, Experian failed to properly investigate and update the account to reflect accurate payment information. 

Account # XXXX ( XXXXXXXX XXXX XXXX XXXX ) : This collection account was placed fraudulently on my credit report. I have never had a contract with this collector, and Experian was made aware of this fraud through multiple submissions, yet they refused to remove the account. 

Account # XXXX ( XXXX XXXX XXXX XXXX ) : This collection is not mine. I have provided Experian with sufficient documentation proving this, but they have failed to remove the account from my credit report. 

Account # XXXX ( XXXX XXXX XXXX ) : This account was placed on my report fraudulently. I have no knowledge of this account, received no letters or verification from the alleged debt collector, and provided Experian with evidence of the fraud. Experian ignored my disputes and has not removed this account. 

Account # XXXX ( XXXX XXXX XXXX ) : Similar to the fourth account, this was fraudulently placed on my credit report without any notification or verification. Experian has ignored my disputes regarding this account. 

Account # XXXX ( XXXX XXXX XXXX ) : This account, like the fourth and fifth, was fraudulently placed on my credit report. I have no knowledge of this account and never received any communication from the alleged collector. Despite my disputes, Experian failed to remove the account. 

Account # XXXX ( XXXX XXXX ) : This account was placed fraudulently on my report. I have no connection to this account, and Experian has refused to investigate or remove it despite being provided with the necessary evidence. 

Experians Violations : Experians actions ( or lack thereof ) constitute multiple violations of the FCRA, including : - 15 U.S.C. 1681e ( b ) : Failure to ensure the maximum accuracy of reported information. 
- 15 U.S.C. 1681i : Failure to conduct a proper reinvestigation and correct or delete inaccurate information. 
- 15 U.S.C. 1681s-2 : Failure to prevent the reporting of fraudulent or inaccurate information. 

Impact on Me : These inaccuracies have caused significant harm, including : - Negative impacts on my credit score. 
- Denial of financial opportunities, housing, and employment. 
- Emotional distress due to Experians failure to fulfill their legal obligations. 

Resolution Demanded : I demand the following immediate actions : - Remove all fraudulent and inaccurate accounts listed above from my credit report. 
- Conduct a thorough investigation into Experians improper handling of these disputes. 
- Ensure compliance with the FCRA, including penalties for Experians willful non-compliance. 

Experians repeated failure to investigate and address these disputes is unacceptable. I request the CFPBs intervention to ensure my rights under the FCRA are protected and to hold Experian accountable for their actions.

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