Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to express my concerns regarding Experian, XXXX, and XXXX 's failure to investigate disputes submitted to their credit agency properly. Their practices, as highlighted in the lawsuit brought by the CFPB against Experian, demonstrate a troubling pattern of inadequate dispute handling. This neglect has directly impacted my credit report and financial stability.

The CFPBs lawsuit against Experian provides undeniable proof that the credit bureau is not fulfilling its obligations to thoroughly and accurately investigate consumer disputes, as mandated by law. All credit bureaus should be investigated. Such negligence has resulted in the retention of incorrect personal information on my credit report, including incorrect name, address, date of birth, and employment details. This false information has caused significant damage to my creditworthiness and financial opportunities.

Furthermore, Experian 's actions are in direct violation of the following federal statutes : 15 USC 6802 : Protecting consumers ' privacy rights and regulating the disclosure of personal financial information.

15 USC 1681b : Restricting permissible purposes for accessing consumer reports.

15 USC 1681i : Requiring credit reporting agencies to reinvestigate disputes submitted by consumers and take necessary corrective actions.

18 USC 1028A : Penalizing aggravated identity theft and unauthorized use of personal information.

Due to Experian 's non-compliance with proper investigation procedures and its failure to remove inaccurate information from my credit report, I am also exercising my right under 15 USC 1681n, which allows me to sue Experian for willful non-compliance. Under this provision, I am entitled to damages of {$1000.00} per violation, as Experians actions have directly caused harm to my credit report, financial stability, and overall peace of mind.

As a result of these violations, I have experienced unnecessary hardship and stress in addressing and correcting these inaccuracies. Experians non-compliance undermines consumer protection laws and erodes trust in the credit reporting system that is foundational to our financial ecosystem.

I am formally requesting the CFPB to take swift action to investigate Experian, Equifax, and XXXX 's practices, ensure compliance with federal laws, and hold them accountable for their failures. Specifically, I urge the CFPB to enforce adherence to 15 USC 1681i, ensuring that Experian performs the required reinvestigations of consumer disputes and promptly removes any inaccurate information from credit reports. I also request the immediate removal of all incorrect personal information on my credit report, including inaccurate name, address, date of birth, and employment details.

This matter is urgent and affects my ability to secure financial opportunities critical to my future. I trust that the CFPB will take appropriate measures to safeguard consumer rights and ensure fair credit reporting practices.

Thank you for your attention to this critical issue. I look forward to your response and updates regarding this matter. Incorrect information is below : Names to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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