Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally notify Experian that I have filed several disputes regarding inaccurate and erroneous information on my credit report, both directly with your company and through the Consumer Financial Protection Bureau ( CFPB ). I am also working with legal counsel to address these issues, which I believe stem from long-term neglect and failure to properly investigate and resolve my disputes.

I have repeatedly requested supporting documentation from the reporting companies since XX/XX/XXXX, yet they have failed to provide any evidence to substantiate their claims. Additionally, your company has not adequately addressed the disputes I have raised, nor have you provided the necessary documentation to support your findings, despite my multiple requests. 

Due to Experian 's involvement in ongoing litigation with the CFPB, I am preparing to include myself in that civil lawsuit. I expect compensation for the damages caused by the mishandling of my credit report, including but not limited to the inaccuracies in collection accounts and credit inquiries that I have disputed. These disputes were submitted in writing, via mail, and through phone conversations, yet the information remains unresolved and continues to negatively impact my credit. 

Furthermore, your company 's failure to properly investigate and address these matters has significantly impacted my ability to secure housing, obtain a VA loan, and purchase a vehicle, despite my substantial down payment. I have also faced repeated errors, including the reinsertion of deleted accounts onto my credit report, which constitutes a violation of my rights under the Fair Credit Reporting Act. 

Your company has not provided clear explanations or the requested details regarding the results of any of my disputes, nor have you investigated these matters in good faith. It appears that Experian has prioritized the creditors ' statements over the verifiable facts and my claims, despite the lack of evidence from the creditors to substantiate their reporting. 

As a result of these ongoing issues, I am prepared to take further legal action to hold Experian accountable for the damage caused by these unresolved disputes. I expect prompt resolution of these matters and full compensation for the harm caused to my credit and personal finances. 

In the light of the CFPB lawsuit filed against Experian on XX/XX/XXXX I insist you conduct an investigation as required by FCRA law. Do not accept the findings of the furnishers who do not provide thorough results of their investigation which I will ask you to provide to me in detail via mail. Delete or correct disputed information within the timeline provided by federal law. 

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