Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5526 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. In addition to the two violations above I have disputed Experian to remove my educational items as I believe that these loans and the associated personal information should not be reflected on my credit report due to the protections provided under the Family Educational Rights and Privacy Act ( FERPA ) 99.31. This federal law protects the confidentiality of student education records, and I believe that my educational records, including my student loans, may have been shared, duplicated and reported improperly. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX. XXXX : Account # XXXX XXXX XXXX XXXX, 30 day late ( should report on time ) XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, 30 day late ( should report on time ) XXXX. XXXX XXXX  : Account # XXXX- Listed as a charge off, no knowledge or record of this account. 

XXXX. XXXX XXXX XXXXXXXX : Account # XXXX - Not my account, no knowledge or record of this account. ( same account # 's ) XXXX XXXX XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

XXXX. XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

XXXX XXXX  XXXX Account # XXXX - Item needs to be removed as I have provided documentation to Experian that this {$760.00} charge is not mine. 

XXXX. XXXX XXXX : Account # XXXX - Item needs to be removed as I have provided documentation to XXXX that this {$2200.00} charge is not mine. 

XXXX. ALL DEPARTMENT OF ED/XXXX  ACCOUNTS per Family Educational Rights and Privacy Act ( XXXX ) XXXX XXXX. The only address that should be listed on my credit report is XXXX XXXX XXXX, XXXX, SC XXXX XXXX. The only name that should reflect on my report is XXXX XXXX XXXX XXXX. The only phone number that should reflect on my report is XXXX XXXX. The employers listed on my report are false. I have never worked for either of these companies. 

XXXX. HARD INQUIRIES - I never consented for any inquiries to my credit report besides 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