Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to formally file a complaint against Experian for their repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite sending multiple dispute letters to Experian regarding inaccuracies on my credit report, they have failed to comply with their legal obligations to investigate and correct these errors. This has caused me significant financial harm and emotional distress.

Details of My Disputes :, I sent a dispute letter to Experian regarding [ specific error ]. This error involved the inaccurate information has stop me from obtaining a house a car and business credit. I provided supporting evidence, including [ specific documents or information provided ].

I followed up with another letter as the error remained unresolved. Again, I provided [ specific evidence or explanation ], yet Experian failed to address the inaccuracies or conduct a proper investigation.

To date, Experian has not adequately investigated my disputes, failed to remove inaccurate information from my credit report, and has even allowed previously deleted inaccuracies to reappear. This lack of compliance with the FCRA demonstrates their disregard for their responsibilities as a credit reporting agency.

Impact on Me : Experians inaction and improper handling of my disputes have had a significant negative impact on my life. As a result of these unresolved inaccuracies : I was denied credit for Credit card Morgate on [ date ], which impacted my ability to [ purchase a car, obtain a mortgage, etc. ]. 

I received higher interest rates on [ specific loan/credit product ], costing me XXXX in additional expenses. 

I was rejected for [ a rental property, a job opportunity, etc. ] due to inaccuracies on my credit report. 

These errors have caused me financial hardship and emotional distress, as I am unable to rely on my credit report to reflect my true creditworthiness. 

Connection to the CFPB Lawsuit : I recently became aware of the Consumer Financial Protection Bureaus ( CFPB ) lawsuit against Experian for systemic failures in their dispute resolution process. The lawsuit highlights Experians pattern of conducting sham investigations, failing to remove or reinvestigate errors, and reinserting inaccuracies into credit reports. My personal experience aligns closely with the allegations in this lawsuit, further confirming that Experians actions are part of a broader issue affecting many consumers.

Resolution Requested : I respectfully request the CFPB to : Investigate Experians handling of my disputes to ensure they comply with their obligations under the FCRA.

Require Experian to correct the inaccuracies on my credit report immediately and provide a detailed explanation of their actions.

Impose penalties on Experian for their repeated violations of the FCRA and failure to address consumer disputes adequately.

Conclusion : Experians failure to address my disputes has caused me significant harm and highlights their ongoing non-compliance with federal law. I urge the CFPB to take swift and decisive action to ensure Experians accountability and protect consumers like me from further harm.

Thank you for your attention to this matter. I am available to provide any additional documentation or information needed to support my complaint. 

Sincerely,

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