Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXX XXXXXXXX XXXX XXXX, XXXX, ZIP Code : XXXX, XXXX  XXXX Email Address : XXXX Phone Number : XXXX Date : XX/XX/XXXX Subject : Complaint Regarding Failure to Correct Credit Report Error and Ongoing Lawsuit Involving Experian and XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the credit bureaus, Experian, XXXX, and XXXX, for failing to correct an error on my credit report and for the lack of responsiveness I have received in my attempts to resolve the issue. Despite following proper procedures, the error persists, and I have encountered significant frustration in resolving this matter. I believe these actions violate my rights under 15 U.S.C. 1681c requirements relating to information contained in consumer reports. 

1. Description of the Issue : I discovered an error on my credit report with both Experian and XXXX related to the accuracy and completeness of my credit file. This error is materially affecting my credit score and my ability to obtain credit, despite the fact that the information is inaccurate. 

On XX/XX/XXXX, I contacted Experian, XXXX, and XXXX directly to dispute the error and requested that they correct the information. I provided them with supporting documentation to prove that the reported information was incorrect. However, ALL THREE credit bureaus failed to resolve the issue or provide a clear explanation for why the error was not corrected. 

2. Attempts to Resolve the Issue : On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I submitted a dispute with Experian regarding the incorrect information, including all relevant documentation to support my claim. 
On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I similarly submitted a dispute with XXXX with supporting documents. 
On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I similarly submitted a dispute with XXXX with supporting documents. 
I have followed up multiple times with both credit bureaus, but the error persists on my credit report. 
In both cases, I received generic responses or no response at all, and the inaccurate information remains on my credit report to this day. The credit bureaus failure to investigate the issue properly and correct the error is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

3. The Impact on Me : This unresolved error is severely impacting my creditworthiness and has resulted in the denial of credit applications. I have also experienced stress and frustration due to the lack of transparency and accountability from Experian and XXXX in resolving the issue. 

4. Ongoing Lawsuit Against Experian and XXXX : I am also aware of the XXXX lawsuit involving Experian and XXXX concerning [ briefly describe the nature of the lawsuit, e.g., consumer protection issues, inaccurate reporting, mishandling of disputes, etc. ]. I believe my experience is directly related to the ongoing issues cited in the lawsuit. Despite the publicized concerns regarding their business practices, both credit bureaus have failed to correct my personal report or even adequately address my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX 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