Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their repeated mishandling of my credit profile, which has caused immense distress and financial harm. Despite my diligent efforts to address inaccuracies in my credit report, Experian has consistently failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), leaving me in a state of despair. 

On XX/XX/year>, I initiated an investigation with Experian concerning an incorrect account listed on my credit profile : the XXXXXXXX XXXX XXXX  disputed item. The investigation results unequivocally demonstrated that this account was not present on my credit report, providing clear evidence of its non-existence. Subsequent reinvestigations on XX/XX/year>, yielded identical findings, reaffirming that no such account should be associated with my credit history. 

However, to my utter disbelief, Experian proceeded with a third reinvestigation and shockingly confirmed and updated the non-existent account, blatantly disregarding the evidence provided during the previous investigations. This egregious action not only demonstrates Experian 's blatant disregard for accuracy but also exacerbates the financial strain and emotional turmoil I am experiencing. 

These repeated violations of FCRA constitute an affirmative proof of burden and a clear indication that Experian is failing to fulfill its obligations under the law. In accordance with 15 USC 1681e ( b ), I meticulously outlined numerous discrepancies in my credit report in a letter to Experian, emphasizing my right to an accurate and complete credit report. However, Experian 's response was inadequate, simply stating that all accounts had been " verified and confirmed '' without providing any substantive explanation or evidence.

Furthermore, pursuant to 15 USC 1681i 7, I explicitly requested a detailed description of the investigation process undertaken by Experian to ensure transparency and clarity regarding the handling of my case. Regrettably, my request was met with silence, leaving me in the dark about the steps taken to address my concerns and whether any genuine effort was made to validate the accuracy of my credit report. 

It has become abundantly clear that Experian has flagrantly violated 15 USC 1681i 5, which mandates the prompt deletion of inaccurate or unverifiable information from consumer credit reports. By neglecting to take appropriate action to correct the inaccuracies I have identified, Experian has not only shirked its legal obligations but has also exacerbated the financial and emotional distress I am enduring. 

I implore the Consumer Financial Protection Bureau to investigate this matter urgently and hold Experian accountable for their repeated violations of the FCRA. I request prompt intervention to rectify the errors in my credit report and ensure that Experian upholds its responsibilities to consumers in accordance with federal law.

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