Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX Experian, XXXX XXXX XXXX for FCRA Violations and Failure to Investigate Disputed Information Dear CFPB Representative, I am writing to formally file a complaint against all three major credit reporting agencies, Experian, Equifax, and TransUnion for willfully and or negligently reporting inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, I submitted a dispute directly to Experian concerning multiple inaccurate items that are currently being reported on my credit file. My dispute was submitted in good faith and in compliance with FCRA 611 ( 15 U.S.C. 1681i ) which requires a credit reporting agency to conduct a reasonable investigation within 30 days of receiving a consumer dispute. 

As of todays date, I have not received any response or results of the investigation from Experian regarding this dispute. This failure to respond is a direct violation of the FCRA, which mandates that : The credit bureau must investigate disputed information within 30 days ; The bureau must notify the consumer of the results of the investigation ; If the information is found to be inaccurate or unverifiable, it must be deleted or corrected promptly. 

Furthermore, by continuing to report this inaccurate information without verification, all three bureaus are in violation of FCRA 607 ( b ) which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy.

These inaccuracies are negatively affecting my credit score and ability to obtain credit, housing, and other essential services. I am going through a domestic violence situation and these inaccuracies are extremely slowing up my process to move on with my life and start over. The ongoing failure to correct or investigate these issues represents a serious violation of my consumer rights under federal law. I tired I cried screamed and sent in multiple disputes. No action was taken I am intentionally being ignored by these credit reporting agencies. Please help me I am requesting the CFPB to investigate this matter thoroughly and ensure that Experian, Equifax, and TransUnion comply with the FCRA. Specifically, I am requesting : 1. An immediate and thorough investigation into the disputed accounts 2. Deletion or correction of all inaccurate, incomplete, or unverifiable item 's 3. Confirmation that proper reinvestigation procedures were followed 4. Accountability for any negligent or willful non compliance with federal law.

Please find enclosed attached copies of the original dispute sent to Experian, as well as proof of mailing and any documentation supporting my claim.

Thank you for your attention to this matter. I respectfully request the CFPB to intervene and enforce my rights under the FCRA. 

Sincerely, XXXX 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