Consumer complaint received 2025-01-14 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: SC

Complaint narrative:
Subject : Immediate Correction of Fraudulent Credit Reporting Practices by Experian Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against Experian for its failure to conduct proper investigations into disputes I have filed concerning inaccuracies on my credit report. This failure violates the Fair Credit Reporting Act ( FCRA ), leading to the continued inclusion of incorrect information on my credit report. 

Background I have filed disputes with Experian over eight times regarding multiple inaccurate accounts on my credit file. Despite these efforts, Experian has conducted what I believe to be sham investigations, failing to properly review and resolve these disputes as required under federal law. The CFPB has previously alleged that Experian does not take sufficient steps to properly process, investigate, and notify consumers about their disputes, resulting in the inclusion of false and harmful information on consumer credit reports. 

Fraud Reports and Previous Actions To support my case, I have submitted fraud reports to the Federal Trade Commission via IdentityTheft.gov. The relevant FTC Report Numbers are : XXXX XXXX XXXX Additionally, I filed a new complaint with the CFPB on XX/XX/year>, with Complaint ID : XXXX. 

Impact of Inaccurate Reporting Experian 's failure to conduct lawful investigations has resulted in continued harm to my creditworthiness, threatening my access to essential credit services. Accurate reporting is crucial, and Experian 's actions constitute fraud by knowingly including outdated or false information. 

Accounts in Question I am requesting the removal of the following outdated and inaccurate accounts from my credit file immediately : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XX/XX/XXXX( Account Number : XXXX ) XXXX XX/XX/XXXX( Account Number : XXXX ) XX/XX/XXXX XXXX ( Account Number : XXXX ) XX/XX/XXXX ( Account Number : XXXX )XX/XX/XXXXAccount Number : XXXX ) XX/XX/XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XX/XX/XXXX ( Account Number : XXXX ) Account : XXXX XX/XX/XXXXXXXX ( XXXX ) XXXX XXXX XXXX Request for Immediate Action I respectfully request that the CFPB take swift action to investigate Experians failure to comply with its obligations under the FCRA and ensure the immediate removal of the inaccurate information listed above. I also request that Experian be held accountable for its pattern of disregarding consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your investigation and resolution. 

Sincerely, XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : 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