Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau 1700 G Street, NW Washington, D.C. 20552 Subject : Complaint Regarding Unfair Credit Reporting Practices by Experian Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for unfair and inaccurate reporting on my credit report. Despite my repeated efforts to dispute these errors, Experian has failed to correct the inaccuracies, causing significant financial and personal distress. 
The following issues have occurred on my credit report : 1. Inaccurate Account Information : Experian has reported incorrect account details, including accounts that do not belong to me and incorrect balances on existing accounts.

2. Failure to Properly Investigate Disputes : I have submitted multiple disputes in writing, providing supporting documentation, yet Experian has either failed to investigate or provided vague, unhelpful responses.

3. Inaccurate Hard Inquiries : My credit report contains unauthorized hard inquiries that I did not initiate, negatively impacting my credit score.

4. Failure to Remove Errors in a Timely Manner : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must correct inaccurate information within a reasonable timeframe, yet Experian has failed to do so. 
These errors have significantly affected my ability to obtain credit and have caused undue financial hardship. I request that the CFPB intervene to ensure Experian complies with the FCRA and corrects these inaccuracies immediately. 
Additionally, Experian has failed to properly investigate disputes I have filed regarding inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the FCRA. The inaccurate accounts are as follows : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX, GA XXXX Case # XXXX I have submitted disputes and supporting documentation to prove that the information listed above is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic; unverified ; statements without explaining their investigation or correcting the errors. This failure to conduct a reasonable investigation has harmed my credit score and financial well-being, affecting my ability to secure credit, loans, housing, and more. 
I am requesting the following actions from Experian through the CFPB :

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