Consumer complaint received 2025-01-29 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, GA, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XX/XX/XXXX, D.C. XXXX To Whom It May Concern, I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses civil liability for failure to comply with the FCRAs requirements. 

The inaccurate accounts in question are as follows : 1. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Status : Account charged off. {$36000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
2. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Status : Account charged off. {$41000.00} written off. {$20000.00} past due as of XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Status : Collection account. {$4000.00} past due as of XX/XX/XXXX. 

Additionally, Ive found the following hard inquiries on my credit report :XX/XX/XXXX XX/XX/XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XX/XX/XXXX of XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XX/XX/XXXX of XXXX ( Inquired on XXXX XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX , On Record Until : XXXX XXXX ) XXXX XXXXXX/XX/XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) I have submitted disputes for these accounts and provided supporting documentation proving that the information is either inaccurate or unverifiable. However, Experian has either failed to properly investigate the disputes or responded with generic verified statements without explaining the process or taking corrective action. 

This failure to conduct a reasonable investigation has caused significant harm to my credit score and financial well-being, and I believe this noncompliance is a direct violation of my rights under 15 U.S. Code 1681o, which mandates that credit reporting agencies take reasonable steps to investigate disputed information.

I am requesting the following actions from Experian through the CFPB : 1. Conduct a thorough and proper investigation into the disputed accounts.

2. Provide me with a detailed explanation of the steps taken to verify or correct the information.

3. Immediately remove any inaccurate or unverifiable information from my credit report.

Thank you for your prompt attention to this matter and for ensuring that Experian complies with the Fair Credit Reporting Act to protect consumers like me. 

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