Consumer complaint received 2025-03-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX Tuesday, XX/XX/year> To : Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Final Notice - Formal Complaint Regarding Inaccurate Reporting on My Consumer Credit Report Dear, Experian, I, XXXX XXXX, a natural person, am formally disputing the inaccurate and misleading information on my consumer credit report. Despite multiple disputes over the past several months, you have willfully ignored my requests for a proper and lawful investigation, in direct violation of 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ). Your continued failure to correct these inaccuracies has severely impacted my livelihood and constitutes blatant noncompliance with federal law. 

One of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. The account is paid and closed, yet it remains listed as negative on my consumer file. Additionally, you have failed to provide verifiable proof of any alleged late payments before reporting such derogatory information. Furthermore, you have failed to fully list my payment history, inaccurately reflecting my financial responsibility. You are the only agency improperly listing this account, and the omission of accurate payment history only prolongs the negative impact on my consumer report, unfairly damaging my financial standing. 

This wrongful information has blocked and restricted my ability to secure financial opportunities, making it nearly impossible to sustain a living. The continued misrepresentation of my payment history violates your legal duty to verify disputed information under 15 U.S. Code 1681s-2 and has caused significant financial and personal hardship. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for failing to conduct legitimate investigations into consumer disputes, as detailed in their official report : CFPB Sues Experian for Sham Investigations of Credit Report Errors. This demonstrates a pattern of noncompliance and willful neglect by the credit reporting agencies in handling consumer disputes, reinforcing my demand for an immediate resolution.

Since you have failed to fulfill your statutory obligation to verify this information properly and have ignored my repeated requests, I am demanding the immediate removal of this account.

This is my final request. Failure to comply within the legally mandated 30-day timeframe will leave me no choice but to escalate this matter by pursuing legal action for damages resulting from your willful noncompliance. 

This matter is neither negotiable nor subject to further delay. I demand an immediate correction of my consumer credit file. Please send all correspondence and documentation regarding this dispute to my contact information listed above. 

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