Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to file a formal complaint against Experian regarding their failure to properly investigate and reinvestigate disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve these issues, Experian has not provided adequate responses or any hard proof confirming that proper reinvestigations were conducted. 

The disputed accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Specific Violations Failure to Properly Conduct Reinvestigations : Experian has not adequately investigated the disputes I submitted regarding inaccuracies in my credit file. Despite providing them with detailed documentation, they have failed to resolve these issues. 

Failure to Provide Proof of Reinvestigation : I have repeatedly requested documentation showing that reinvestigations were performed in compliance with FCRA standards. To date, Experian has failed to provide any hard proof or supporting documents confirming a thorough investigation. 

Failure to Delete Inaccurate, Incomplete, or Unverified Information : Experian continues to report inaccurate, incomplete, or unverifiable information, despite being provided with evidence to the contrary. 

Failure to Provide Adequate Written Notice : Experian has not provided me with sufficient written notice of their reinvestigation results or clear explanations of how my disputes were handled.

Improper Reinsertion of Deleted Information : Experian has improperly reinserted previously deleted information into my credit file without notifying me, in direct violation of FCRA provisions. 

Failure to Follow Reasonable Procedures : Experian has not adhered to reasonable procedures to ensure the maximum possible accuracy of the information reported, leading to continued inaccuracies.

Additional Violations of the Consumer Financial Protection Act ( CFPA ) : Failure to Fully and Accurately Convey Disputes to Furnishers : Experian distorted, truncated, and mischaracterized my disputes, preventing furnishers from properly addressing the issues. 
Harm Caused : Due to Experians willful negligence and non-compliance with the FCRA and CFPA, I have sustained damage to my reputation. As a result of inaccurate and unverified information remaining on my credit report, I have been denied credit, loans, and credit cards. This has caused significant financial hardship and harmed my ability to obtain necessary credit for personal and professional purposes.

Prior Complaints : I have previously submitted complaints about Experians conduct to the CFPB If you look at my files numbers, and they refused to follow the metro 2 compliance codes that clearly state the information was incorrect and should not be furnished on my consumer reports.

Requested Actions : I respectfully request that the CFPB investigate Experian for non-compliance with the FCRA and CFPA. Additionally, I seek the following remedies : A proper and thorough reinvestigation of all disputed items on my credit report. 
Provision of certified copies of all documentation related to the reinvestigation process, including communications with furnishers, results of findings, and any corrective actions taken.

Deletion of any inaccurate, incomplete, or unverifiable information from my credit report.

An official explanation of why inaccurate or unverified information remains on my credit report despite my dispute.

Assurance that Experian will follow proper procedures to ensure the accuracy of information reported to consumer reporting agencies. please respond with requested documents through the CFPB portal.

D

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