Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Consumer Information : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX Complaint Against : Experian Information Solutions , Inc . 
Address : [ Experians Address ] XXXX XXXX XXXX XXXX Address : [ XXXX Address ] XXXX XXXX Address : XXXX XXXX Address ] Nature of Complaint : Inaccurate Reporting Across All Major Credit Bureaus Experian, XXXX, and XXXX have failed to update and accurately report information on my credit file. 
Despite submitting detailed evidence, including a " Paid in Full '' confirmation letter from XXXX XXXX XXXX dated XX/XX/year>, the credit bureaus continue to report inaccurate information about the account, showing it as unpaid or charged off. 
This ongoing inaccuracy is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. 
Failure to Conduct Proper Investigations When I filed disputes with each bureau, I provided : A police report. 
An FTC identity theft affidavit. 
The " Paid in Full '' letter from XXXX XXXX XXXX. 
All three bureaus failed to properly investigate or resolve the disputes, leaving my credit file in an inaccurate and damaging state. 
Harm Caused by Their Negligence The failure to correct my credit report has caused : Denial of credit opportunities. 
Emotional distress and financial hardship. 
Negative impacts on my creditworthiness. 
Details of Harm : I have suffered significant harm due to the inaccurate reporting, including : Credit Denial : Inability to secure credit or higher interest rates due to inaccurate information. 
Emotional Distress : The stress and frustration of repeated attempts to resolve this issue. 
Financial Impact : Lost financial opportunities and additional costs due to reduced credit access.

Requested Resolution : Immediate Correction of Reporting : Require Experian, XXXX, and XXXX to update my credit file to reflect the accurate status of the XXXX XXXX XXXX account as " Paid in Full '' and closed. 
Remove any other inaccurate or fraudulent accounts resulting from identity theft. 
Compensation for Harm : I seek financial compensation for the damage caused by the credit bureaus negligence, including lost opportunities, emotional distress, and financial harm. 
Preventive Measures : Mandate all three credit bureaus to implement stronger dispute resolution processes to ensure compliance with FCRA. 
Require credit bureaus to provide free credit monitoring and identity theft protection for two years. 
Investigate the Practices of the Credit Bureaus : Investigate why all three bureaus failed to properly investigate my disputes despite receiving substantial evidence. 
Require them to submit reports on their compliance with dispute resolution procedures under FCRA. 
Attachments : " Paid in Full '' letter from XXXX XXXX XXXX ( dated XX/XX/year> ) Police report and FTC identity theft affidavit Experian, XXXX, and XXXX credit reports showing inaccuracies Date : XX/XX/year> 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