Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
I am writing to file a formal complaint against Experian Credit Bureau regarding the inaccurate reporting of information on my credit report and their failure to properly investigate a dispute I submitted. 

On XX/XX/year>, I disputed multiple items on my Experian credit report that I believe are incorrect and do not belong to me. These items appear to be fraudulently reported or misattributed. I provided clear evidence supporting my claim that the accounts are not mine. However, despite submitting the dispute and providing necessary information, I received an update on XX/XX/year>, stating that one of the disputed items would remain on my credit report, without any clear explanation as to why or how the investigation was conducted.

Experian failed to provide a thorough verification of the disputed information, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). The credit reporting agency has not validated the accuracy of the disputed items in a meaningful way, and the item in question was left unresolved, despite my clear dispute.

Details of the Dispute and the Outcome Date of Dispute Submission : XX/XX/year> Date of Update : XX/XX/year> Disputed Item : XXXX XXXX XXXX Experians Response : The incorrect account has not been changed ands will remain on my credit report.

I believe that Experian failed to comply with its legal obligations under the FCRA by not providing a thorough investigation of my dispute.

Specifically : Failure to Conduct an Adequate Investigation : I believe that Experian did not make a proper effort to verify the accuracy of the disputed information with the original creditor.

Lack of Transparency : The explanation provided for keeping the disputed item on my credit report was unclear and did not provide sufficient evidence of how the item was verified.

Failure to Remove an Inaccurate Item : Given that I provided evidence to support my claim that the item is not mine, Experian should have removed the disputed entry from my credit report.

Request for Assistance I am requesting that the Consumer Financial Protection Bureau investigate my complaint and take appropriate action to ensure that Experian adheres to the legal requirements for investigating disputes under the FCRA. Specifically, I request the following : A full investigation into whether Experian properly followed the procedures for handling my dispute.

That Experian be required to verify the disputed item and remove it if it can not be proven to be accurate or mine.

Assistance in ensuring that Experian corrects any errors on my credit report that stem from this issue.

I have attached copies of the relevant documents, including my dispute submission to Experian and the response I received, for your review.

Thank you for your attention to this matter. I trust that your office will take the necessary steps to resolve this issue and hold Experian accountable for its failure to conduct a proper investigation and ensure the accuracy of my credit report.

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