Consumer complaint received 2025-01-11 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:
I am filing a formal complaint against Experian regarding inaccuracies on my credit report that have not been addressed despite multiple attempts to resolve them directly with the credit reporting agency. In XX/XX/XXXX, I submitted a request for clarification and correction of these erroneous entries in compliance with the Fair Credit Reporting Act ( FCRA ), but I have yet to receive a satisfactory resolution. The details of the disputed accounts are as follows : Disputed Accounts XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Opened On : XX/XX/XXXXXXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Opened On : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX ** Number : ** XXXX ** On : ** XX/XX/XXXXXXXX  Balance : {$0.00} Description of the Issue The accounts listed above are inaccurately reported on my credit report. Despite my efforts to dispute these accounts directly with Experian, the agency has failed to provide an adequate explanation or make the necessary corrections pursuant to the FCRA regulations. As outlined in sections15 U.S.C 168i and15 U.S.C 168s-2, consumers are entitled to a factual and transparent investigation regarding disputes, including clear communication of the process and resulting findings. 

Steps Taken to Resolve Initial Communication : On XX/XX/XXXX, I contacted Experian via certified mail requesting an investigation into disputed accounts, as outlined by the FCRA. I provided all necessary documentation supporting my claim that these accounts were inaccurately reported. 

Follow-Up : I continued to follow up with Experian to seek updates on the status of their investigation. As of today, I have not received a detailed explanation or evidence supporting their verification of these accounts. 

Request for Detailed Investigation : I have requested detailed insights into the credit verification process by Experian, including steps taken, identity verification methods, the involvement of original creditors, and a comprehensive investigative report. 

Desired Resolution I request that the CFPB facilitate the following outcomes in collaboration with Experian : Immediate correction or deletion of the disputed accounts from my credit report based on verified investigation results. 
A comprehensive and transparent investigation report from Experian detailing the methods used during verification and the justification for maintaining any of the disputed accounts on my report.

Assurance that my rights under the FCRA are respected and upheld throughout this process.

Guidance on further steps, including legal options, if Experian fails to comply with federal regulations regarding credit report accuracy. 
Additional Information Given the lawsuits recently filed against Experian by the CFPB on XX/XX/XXXX, it is imperative that Experian engage in transparent practices and comply with the required standards of consumer protection and credit reporting. 

Documentation Attached : Copies of correspondence with Experian, evidence supporting my dispute, and any relevant pieces of personal identification for verification. 

Thank you for your assistance in resolving this matter promptly and ensuring the accuracy of my credit information.

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