Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I am writing to file a formal complaint against Experian for the inaccurate and incomplete information furnished on my credit report. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I have made multiple attempts to dispute these inaccuracies, but despite my numerous efforts, Experian has failed to conduct reasonable investigations, provide the required supporting documents, or validate the accounts in question. I am requesting immediate action to resolve this matter, including the deletion of the inaccurate accounts from my consumer credit report. Accounts are referenced below : Account name XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX- Account number XXXX Account name XXXX XXXX XXXX-Account number XXXX Over the course of several monthsif not yearsI have filed dozens of disputes with Experian regarding various accounts on my credit report that contain incorrect or outdated information. I have consistently requested supporting documentation, verification, and validation for these accounts as required by the Fair Credit Reporting Act ( FCRA ), but to date, I have not received any satisfactory responses. 
Specifically : XXXX. Lack of Proper XXXX : In several instances, I received responses from Experian the day after I submitted my dispute, which calls into question the integrity and reliability of their investigation process. It is highly unlikely that such an expedited response could reflect a thorough investigation. 

XXXX. Failure to Provide Supporting Documents : Despite my repeated requests for supporting documents and proof of verification for the disputed accounts, Experian has consistently failed to supply this information, which is a violation of my rights under the FCRA. 

XXXX. Ongoing Inaccuracies : The issues related to the inaccuracies on my credit report persist despite my continuous efforts to resolve them. It should not take dozens of disputes over months or years to correct simple reporting errors. These inaccuracies continue to negatively affect my XXXX XXXX and overall financial well-being. 
I am providing evidence of my disputes, including time-stamped correspondence and copies of XXXX responses to my requests. I am requesting that the CFPB investigate this matter and ensure that Experian complies with its obligations under the FCRA. 

Furthermore, I am aware of Experians recent lawsuit concerning similar violations of the law. Given this, I am requesting that you take immediate action to ensure that these erroneous accounts are removed from my credit report without further delay. 

Please take the necessary steps to investigate this matter thoroughly and ensure that Experian conducts a complete and reasonable investigation, as required by law. The continued inaccurate reporting on my credit report is unacceptable and is causing significant harm to my creditworthiness. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of these issues. 


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