Consumer complaint received 2025-01-22 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: MS

Complaint narrative:
To whom it may concern : I am writing to dispute multiple inaccuracies on my consumer report and to address unauthorized inquiries that have been reported without my knowledge or consent. Despite previous attempts to resolve these issues, they remain uncorrected, causing significant harm to my financial standing and credibility. 
The issues I am experiencing align with those raised in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) ( Case No. XXXX ). I believe that Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), specifically regarding reasonable reinvestigation of disputes and maintaining the accuracy and completeness of consumer reports. 
Specific Issues in My Report : 1. Unauthorized Inquiries : There are hard inquiries listed on my consumer report that I did not authorize and from which I did not benefit. These inquiries distort the accuracy of my report and have negatively impacted on my credit score.

2. Inaccurate Charge-Off Information : Multiple accounts are reported with incorrect charge-off details. These inaccuracies do not reflect the actual status or history of the accounts. 
XXXX. Incorrect Personal Information : My report contains inaccurate addresses, names, and social security numbers, which further call into question the reliability of Experians processes. Also, I would like any phone numbers listed as mine be removed it is a direct violation of my right to privacy 4. Accounts with Inaccurate Status Information : Several accounts on my report have incorrect status descriptions, such as accounts marked delinquent or in collections when they are not, or accounts reflecting incorrect balances or payment statuses. 
Legal Basis for My Dispute : Under the FCRA ( 15 U.S.C. 1681i ), Experian is required to : Conduct a reasonable reinvestigation of disputed information.

Correct or delete information found to be inaccurate, incomplete, or unverifiable. 
Ensure maximum possible accuracy of information in consumer reports. 
Notify me of the results of the reinvestigation and any corrections made. 
Furthermore, Experian must investigate disputes regarding unauthorized inquiries and ensure they are removed if found to be improper or unsubstantiated.

My Demands : 1. Conduct a comprehensive investigation into the unauthorized inquiries on my report. Remove any inquiries that lack proper authorization or verification.

2. Correct or delete all accounts with inaccurate charge-off information.

3. Update my personal information to reflect accurate addresses, names, and social security numbers. 
4. Provide a clear and detailed explanation of the actions taken and any updates made to my report as a result of this dispute.

The continued presence of these inaccuracies has caused me harm, including [ specific examples, such as denial of credit, higher interest rates, or other financial impacts ].

I have enclosed the following documents to support my dispute : copies of your identification Please consider this letter a formal dispute under the FCRA. I request that Experian complete its investigation within 30 days as required by law. Failure to resolve this matter may result in an escalation to the CFPB or other legal actions. 
I trust that you will address this matter promptly and ensure the accuracy and integrity of my consumer report. 
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