Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Complaint Regarding Incorrect Reporting and Failure to Respond by Experian Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Experian, a consumer credit reporting agency, in relation to their failure to comply with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX Specifically, Experian has engaged in the inaccurate reporting of information on my credit report, and despite multiple attempts to resolve the matter, they have failed to respond or provide a satisfactory solution. 

Nature of the Issue : Inaccurate Reporting Experian has inaccurately reported certain items on my credit report, including [ briefly describe the incorrect information ]. These inaccuracies are materially misleading and do not reflect the true nature of my financial history. I have made several attempts to notify Experian of these discrepancies and dispute the errors in accordance with the FCRA, but no corrective action has been taken. 

Failure to Investigate Discrepancies Under Section XXXX of the FCRA, I am entitled to a reasonable reinvestigation of disputed information on my credit report. However, despite submitting formal disputes and providing supporting documentation, Experian has failed to conduct a reasonable investigation or resolve the discrepancies within the statutory 30-day period. This failure to comply with the investigatory requirements of the FCRA constitutes a violation of my consumer rights. 

Failure to Provide Adequate Response Despite my repeated attempts to contact Experian, I have not received any meaningful or timely responses regarding the resolution of these issues. The lack of communication and failure to provide a substantive response violates the requirement for credit reporting agencies to provide prompt and adequate resolutions to consumer complaints. 

Impact : As a direct result of Experians failure to accurately report my credit information, I have suffered significant harm, including potential damage to my credit score and inability to secure credit on favorable terms. These inaccuracies and the lack of resolution have caused me emotional distress and financial inconvenience. 

Requested Relief : In accordance with the FCRA, I request that the Consumer Financial Protection Bureau investigate Experians failure to correct inaccurate reporting and their failure to provide a timely response to my disputes. I also request that appropriate corrective action be taken, including the immediate removal or correction of the inaccurate information and a full review of Experians compliance with the FCRA. 

I appreciate your assistance in this matter and respectfully request that you take prompt action to ensure that Experian complies with federal consumer protection laws and remedies the harm caused by their actions. 

Thank you for your attention to this matter.

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