Consumer complaint received 2025-01-15 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: IL

Complaint narrative:
I am writing this letter as a formal dispute regarding the accuracy of the information on my credit report. It is imperative that my concerns are addressed promptly, as they align with serious issues identified in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( Case No. XXXX ). These issues include systemic failures to conduct reasonable reinvestigations, the reporting of inaccurate information, and unauthorized furnishing or obtaining of consumer credit data without proper consent, in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts listed below have inaccurate information, unauthorized furnishing or obtaining consumer credit data without proper consent. 

XXXX  XXXX ( Accounts : XXXX, XXXX, XXXX, XXXX  ) : Late payments have been inaccurately reported. 
XXXX XXXX ( Account : XXXX ) : Incorrect past due balances have been reported. 
XXXX XXXX XXXX ( Account : XXXX ) : Misreported collection balances. 
XXXX XXXX ( Account : XXXX ) : This account was charged off with {$680.00} written off. 
XXXX XXXX ( Accounts : XXXX ) : Two accounts closed with past due balances of {$220.00} and {$320.00}, respectively. 
XXXX XXXX XXXX XXXX ( Account : XXXX ) : Charged off {$2700.00}. 
XXXX XXXX XXXX ( Account : XXXX ) : Charged off {$570.00}. 
XXXX XXXX XXXX  : Original Creditor : XXXX XXXX, Balance : {$1100.00}. 
XXXX XXXX XXXX : Original Creditor : XXXX, Balance : {$760.00}. 

I filed the following Complaint Numbers with the CFPB about inaccurate, unverifiable and fraudulent accounts that are reporting to my Credit Report On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I Attached a copy of my DL, SS Card, Utility Bill, Notarized Identity Theft Affidavit, Police Report, and Notarized Affidavit of Truth. I also submitted this letter to my State Attorney General Office and XXXX XXXX XXXX XXXX  and by Certified Mail to Experian 's Registered Agent to have confirmation of proof of delivery. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Experian is required to obtain written consent before furnishing or obtaining my credit information. I have never provided such consent for the inquiries listed above. The inaccuracies in these accounts include misreported payment histories, balances, and statuses. Despite providing supporting documentation in previous disputes, Experian has failed to correct or remove these errors. This is a direct violation of 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct reasonable reinvestigations into disputed information.

The persistence of these inaccuracies on my credit report has caused significant financial and emotional harm. My credit score has been negatively impacted, making it more challenging to secure affordable loans, credit cards, and other financial products. Furthermore, the stress and frustration of repeatedly disputing these inaccuracies without resolution have taken a toll on my well-being. I requested documentation verifying that these accounts and inquiries were reported in compliance with federal law, including evidence of my written consent to furnish or access my credit information.

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