Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian did not take sufficient steps to intake, process, investigate, and notify me about my consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on my consumer report impacted my ability access to credit, employment, and housing. 

When I disputed errors on my credit report, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. Credit reporting errors have had serious consequences for my finances, and it is critical that Experian follows the law. Letters were sent on but not limited to the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have initiated a small claims lawsuit against Experian Information Solutions , Inc., under case number XXXX, filed in the XXXX XXXX XXXX Courts of XXXX XXXX XXXX, Colorado. This legal action stems from your repeated failure to maintain the highest possible accuracy of my credit reports as mandated by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 1681i, and 1681s-2 ( a ). Despite my numerous disputes, there has been a consistent lack of proper investigation and correction of inaccuracies. The continuance of these errors on my credit report has significantly harmed my credit standing and financial opportunities.

I have been a victim of the following and current CFPB suit claims : " When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 

Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnished. ''

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