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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email : XXXX Respondent : Experian Information Solutions , Inc . 

-- - I. Summary of Complaint I am filing this complaint against Experian for its blatant and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Experian has : 1. Failed to conduct a reasonable investigation within the required XXXX timeframe ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 

XXXX. Failed to notify me of the results of its investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ). 

XXXX. Failed to correct or delete inaccurate, incomplete, or unverifiable information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

XXXX. Reported inaccurate information despite clear evidence of errors ( 15 U.S.C. 1681e ( b ) ). 

XXXX. Engaged in unfair, deceptive, and abusive acts and practices ( UDAAP ) in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. 

-- - XXXX. Detailed Explanation of Violations XXXX. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) In XXXX, XXXX, XXXX, and now XXXX, I formally disputed multiple errors on my Experian credit report. The FCRA requires Experian to complete an investigation within XXXX  days. To date, Experian has failed to conduct a reasonable investigation or resolve my dispute. 

XXXX. Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Experian is legally obligated to provide written notice of the results of its investigation within five business days of completion. It has failed to do so. 

XXXX. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Despite overwhelming evidence proving errors on my credit reportincluding [ List Errors, e.g., incorrect late payments, fraudulent accounts, incorrect personal information ] Experian has refused to correct them. 

XXXX. Willful and Negligent Reporting of Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that Experian ensure maximum accuracy. Instead, Experian continues to report erroneous and damaging information, severely impacting my financial well-being. 

XXXX. Unfair, Deceptive, and Abusive Practices ( 12 U.S.C. 5531 ) Experians failures have caused significant harm, including denied credit opportunities, higher interest rates, and financial distress. This constitutes unfair and deceptive practices. 

XXXX XXXX XXXX. Relief Requested I request that the CFPB : XXXX. Order Experian to conduct a proper investigation and correct all errors immediately. 

XXXX. Impose fines for Experians noncompliance with federal law. 

XXXX. Require Experian to disclose its investigative procedures and ensure FCRA compliance. 

XXXX. Award damages for financial and emotional distress. 

-- - XXXX. Conclusion Experians failure to comply with federal law demands immediate enforcement action. I urge the CFPB to hold Experian accountable. 

Sincerely, XXXX 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