Consumer complaint received 2025-01-13 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: OH

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Accounts by Credit Bureaus To Whom It May Concern at the CFPB, I am writing to file a formal complaint regarding inaccurate and misleading information being reported by Experian, XXXX and XXXX on my credit report. Despite my efforts to resolve this issue directly with the credit bureau ( XXXX ) and/or the data furnisher ( XXXX ), the inaccuracies persist and have caused significant harm to my creditworthiness and financial standing. 

Details of the Complaint : Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of the Inaccuracy : The status is incorrect for the following account. 

2. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX XXXX XXXX XXXX. 
Account XXXX : XXXX Please remove it from my credit report. 

6. Section 607 Requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports THE XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. Procedure in case of disputed accuracy 15 U.S.C. 1681i INACCUATELY REPORTING ( FCRA VIOLATION XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. 15 USC 1681 ( b ) Violation Of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports XXXX  XXXX / MENARD Account Number : XXXX Please remove it from my credit report. 

Starting in XXXX, I was made aware by getting an annual credit report of all the mistakes on my credit. I disputed this inaccurate information with XXXX, Experian and XXXX per my rights under the Fair Credit Reporting Act ( FCRA ). 
I provided supporting documentation, including [ list of documents, e.g., proof of payment, letters from the creditor, etc. ]. 
Despite this, the issue was not resolved satisfactorily, as the disputed information remains unchanged or has been re-reported inaccurately. 
Impact of the Inaccuracy : Due to this error, my credit score has been adversely affected, resulting in [ list consequences, e.g., denial of credit, higher interest rates, inability to secure housing, etc. ]. 
Requested Resolution : I request that the CFPB investigate this matter and hold XXXX, Experian and XXXX accountable for their failure to uphold the FCRA, specifically regarding their obligation to ensure maximum possible accuracy in reporting and their duty to conduct reasonable investigations into disputes. 

I also request the following : Immediate removal or correction of the inaccurate information. 
Confirmation of these corrections in writing. 
A thorough review of the credit bureaus investigation process to ensure compliance with the FCRA. 
Supporting Documents : I have attached the following documents for your review : Copies of my disputes and any responses from the credit bureau ( s ).

Documentation supporting my claim ( e.g., payment records, letters from creditors ).

My credit report ( s ) highlighting the inaccuracies. 
Thank you for your prompt attention to this matter. I trust that the CFPB will assist in ensuring that my credit reports are corrected and that proper oversight is maintained over the credit reporting process. 

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