Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
I am writing to file a formal complaint against Experian for its repeated failure to properly investigate and resolve my credit disputes. My most recent disputes, filed in XX/XX/XXXX and XX/XX/XXXX, was not adequately investigated, and Experian failed to update my credit report accordingly. Unfortunately, this is not the first time I have experienced such issues with Experian, and their ongoing disregard for my consumer rights is not only concerning but, as I understand, part of a larger pattern of behavior that has been addressed by the Consumer Financial Protection Bureau ( CFPB ).

As you may know, the CFPB has previously sued Experian for unlawfully failing to properly investigate consumer disputes. The CFPB 's lawsuit alleges that Experian does not take sufficient steps to intake, process, investigate, or notify consumers about disputes, which often results in the inclusion of incorrect information on consumers ' credit reports. The inaccurate reporting of consumer information, such as I have experienced, directly threatens consumers access to credit, housing, and employment. This is a serious violation of consumer rights, and I believe Experians repeated failure to comply with legal requirements is continuing to cause harm to my credit and financial well-being.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Experian are legally required to conduct a reasonable investigation when a consumer disputes information on their credit report. Yet, despite my efforts to resolve these issues, Experian has failed to fully investigate my disputes, leaving erroneous information on my report that is negatively impacting my credit score, access to loans, and financial opportunities.

As a result of Experians repeated failures, I am experiencing significant financial hardship, including higher interest rates, limited access to credit, and increased difficulty in managing my financial responsibilities. I am not only facing monetary damages but also emotional distress and inconvenience as a result of their actions.

Given that this issue is part of a broader pattern of negligence on Experians part, I am formally requesting that the Consumer Financial Protection Bureau take immediate action to resolve my case. Specifically, I request : 1. The immediate deletion of the inaccurate information from my credit report.

2. Compensation for the financial harm, emotional distress, and inconvenience caused by Experians continued negligence.

3. A thorough investigation into Experians practices, with the goal of ensuring compliance with the Fair Credit Reporting Act and consumer protection laws.

If Experian fails to respond to this request and provide the appropriate compensation and corrections, I will have no choice but to pursue further legal action to address the damages I have suffered.

Thank you for your time and attention to this serious matter. I look forward to your prompt response and resolution.

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