Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : 2nd Request for Assistance Regarding Credit Bureau Non-Compliance with Consumer Laws To CFPB Representative, I am writing to convey my serious concerns and frustration regarding the credit bureaus continued failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). This ongoing issue has caused considerable emotional and financial strain, and I am hopeful that your office can assist in resolving this matter promptly. Understanding the Impact As a consumer, I expect that the credit bureaus will follow the law and act in good faith to ensure the accuracy of my credit report. Unfortunately, my recent experience has demonstrated the exact opposite. After filing multiple disputes regarding unauthorized and inaccurate accounts on my credit report, I have been met with repeated non-responses and a lack of follow-through. This has resulted in a growing sense of anxiety and frustration, as my creditworthiness continues to be impacted by errors that I can not control.

It is extremely disheartening to feel like the credit bureaus, entities entrusted with the responsibility of managing consumer credit, are ignoring or disregarding my rights. This situation has left me feeling powerless and as though my concerns are not being treated with the urgency and seriousness they deserve.

Request for Intervention and Assistance I understand that the CFPBs role is to ensure that credit bureaus adhere to consumer protection laws, and it is with this in mind that I humbly request your intervention.

Specifically, I am asking the CFPB to take action to ensure that credit bureaus are held accountable for their failure to : 1. Properly investigate my disputes within the legally required 30-day period under 15 U.S.C. 1681i of the FCRA.

2. Maintain the accuracy and integrity of the information reported, as required by 15 U.S.C. 1681e ( b ).

3. Take swift action to block fraudulent or unauthorized information on my credit report under 15 U.S.C. 1681c-2.

The emotional toll of dealing with inaccurate credit reporting is often underestimated, but it is a real and ongoing burden that affects both my daily life and long-term financial stability. I sincerely hope that the CFPB can help ensure that credit bureaus fulfill their duties to consumers, providing a timely and fair resolution to this issue.

I am grateful for your time and attention to this matter, and I trust that the CFPB will take the necessary steps to ensure that credit bureaus act in compliance with consumer protection laws. I look forward to your response and appreciate any guidance or support you can offer as I navigate this challenging situation.

Thank you for your understanding and for the work you do to protect consumers like me. 
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