Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
bXXXX\n\nXXXX XXXX \nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX \nXXXX\n\n\nExperian\nXXXX XXXX XXXX\nXXXX TX XXXX\n\nSubject: Formal Complaint Against Experian for Failure to Investigate and Correct Inaccurate Credit Report Items\nTo Whom It May Concern,\nI am submitting this complaint regarding Experian's repeated failure to properly investigate and resolve disputed items that are inaccurately reported on my credit file. I have disputed these accounts multiple times directly with Experian and have yet to receive a meaningful resolution, nor any valid documentation to verify their accuracy.\nExperian is in clear violation of multiple sections of the Fair Credit Reporting Act (FCRA), and I am now requesting that the CFPB intervene and enforce compliance.\n________________________________________\nXXXX Accounts Still Reporting Inaccurately:\n\tXXXX XXXX XXXX XXXX\n Late Payments\n Collection\n Charge-Offs  High Credit: $XXXX and $XXXX\n\tXXXX XXXX XXXX\n\XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXXXXXX XXXX\n\tXXXX  (Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX\n\XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX\n\tXXXX XXXX  Three accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX)  Three accounts: XXXX XXXX XXXX XXXX\n\XXXX XXXX  XXXX  Charge-Off  Opened XXXX  High Credit: XXXX\n________________________________________\nUnverified Hard Inquiries:\n\tXXXX XXXX XXXX\n\tXXXX XXXX XXXX\n\tXXXX XXXX  XXXX\n\tXXXX XXXX XXXX XXXXnThese inquiries were never authorized by me, and Experian has failed to provide proof of permissible purpose as required under FCRA 604(a).\n________________________________________\nLegal Violations:\n\tFCRA 611(a): Failure to conduct a reasonable reinvestigation of disputed information within the legally required 30-day period.\n\tFCRA 607(b): Failure to maintain reasonable procedures to assure maximum possible accuracy.\n\tFCRA 604(a): Reporting inquiries without proof of authorization or permissible purpose.\nDespite repeated disputes, Experian continues to report inaccurate and potentially fraudulent information. These unresolved items are damaging my credit score and overall financial health.\n________________________________________\nRequested Actions:\n\tImmediate deletion of all unverifiable and inaccurate accounts and inquiries listed above.\n\tA complete reinvestigation into each disputed item, with proof of verification or deletion.\n\tWritten confirmation of the results of the reinvestigation as required by law.\n________________________________________\nI urge the CFPB to review my complaint and take appropriate enforcement action to ensure Experian upholds its legal responsibilities under the FCRA. I have made every reasonable effort to work directly with Experian, and their failure to respond appropriately leaves me no choice but to seek regulatory help.\nThank you for your time and assistance.\nSincerely,\nXXXX 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