Consumer complaint received 2024-09-02 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: OH

Complaint narrative:
I am writing to file a complaint regarding inaccuracies in my credit report provided by Experian. Despite my attempts to resolve these issues with the credit reporting agency, the matter remains unresolved, and incorrect information is still being reported. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974.

Description of the Issues : 1. Inaccurate Information : [ Describe the inaccuracies, such as wrong personal information, accounts that do not belong to you, incorrect account statuses ( e.g., marked as delinquent, when they are current ), or any other errors. Be specific about each item, including account numbers if possible. ] 2. Failure to Maintain Accurate Records : Under the FCRA, credit reporting agencies are required to maintain accurate and up-to-date information. However, the inaccuracies on my report indicate a failure to comply with these standards, affecting my creditworthiness. 
XXXX. Disputed Information Not Corrected : [ If you have already disputed these inaccuracies with the credit reporting agency, provide details about when you submitted the dispute, any reference numbers, and the outcome. Mention if the information was not corrected or if the investigation results were not satisfactory. ] 4. Breach of Privacy Rights : The Privacy Act of 1974 protects individuals ' personal information from being disclosed without their consent. The inclusion of inaccurate or unauthorized information on my credit report could constitute a breach of these privacy rights. 
5. Impact on Credit Score and Financial Situation : [ Describe how these inaccuracies have affected your credit score, ability to obtain credit, interest rates, or any other financial impact. ] Attempts to Resolve the Issue : I contacted Experian via an online portal multiple times over the past XXXX yrs to dispute the inaccuracies on my credit report. I provided all necessary documentation, including information advising of these inaccuracies. 
Despite my efforts, Experian has not removed these inaccuracies and submit a response either that the information has been verified or it meets FCRA guidelines. 
Relief Requested : In accordance with the FCRA and the Privacy Act of 1974, I kindly request the CFPB to assist in ensuring that the inaccuracies on my credit report are corrected promptly. Specifically, I ask for : XXXX. The removal of incorrect information listed below : XXXX XXXX Acct # XXXX This has been paid and closed and should not show on my credit report as negative. It should be removed. 
XXXX XXXX XXXX XXXX No ACCT # Listed Paid and closed on XXXX and closed by credit grantors request. 
XXXX XXXX XXXX XXXX Acct # XXXX This account is listed twice stating it was paid and closed XX/XX/XXXX. Then reported back on my credit on XX/XX/XXXX as a charge off with the amount of {$1700.00}. 
XXXX XXXX XXXX Acct # XXXX States I owe {$1100.00} to them. I have no contracts with them, and they are not listed under the BBB website. There is no way to very this information for me and Experian could not as well. 
XXXX XXXX XXXX ( Original Credit XXXX ) Acct # XXXX The account was open on my credit XX/XX/XXXX, for the amount of {$370.00}. I am not liable for this debt. I dont have XXXX where I live only XXXX the is fraud and Identity Theft. 
XXXX XXXX acct # XXXX I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with them, and this was open XXXX XXXX, XXXX, for {$470.00}. This is fraud and Identity theft. 
XXXX XXXX XXXX XXXX XXXX acct # XXXX I am not liable for any debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX XXXX. This account was open XX/XX/XXXX for {$1800.00}. This company represented themselves as a lawyer and stated that they would put a judgment on me if I did not pay what was owed and they would not give any documents showing where I signed and contracted with them. 
XXXX XXXX XXXX acct # XXXX - I am not liable for this account with XXXX. I do not have a contract with XXXX XXXX XXXX. This account was opened XX/XX/XXXX for {$3300.00}. I have disputed this multiple times. XXXX has taken off my credit report but Experian will not. 
XXXX XXXX Acct XXXX This account has been closed with XXXX per the records on my account the car was totaled and XXXX clear my account and I owe nothing. I do no have a contract with a debt buyer that Experian is reporting on my credit. This has been reporting since XX/XX/XXXX. 
XXXX XXXX XXXX Acct XXXX I have spoken with them and the confirmed that my account was zero and I did not owe anything for the car that was totaled. I requested that the fix the inaccuracies on my credit stating that I owe {$1100.00} as a write off. I was advised to dispute with the credit agency which I have, and it is still negative on my report 2. A re-evaluation of my credit report to reflect accurate information. 
3. An updated credit report was sent to me and any creditors who may have received inaccurate information. 
4. Assurance that my privacy rights are respected, and that unauthorized or inaccurate information is not disclosed in the future. 
I appreciate your assistance in resolving this matter. Thank you for your attention to this issue. Please feel free to contact me if additional information or documentation is required.

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 non-monetary relief