Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
I am writing to formally notify you that I have filled several disputes with Experian, TransUnion and Equifax regarding inaccurate and erroneous information on my credit report, both directly their company, consumer and through the Consumer Financial Protection Bureau ( CFPB ). I need help with addressing these issues, which I believe stem from long-term neglect and failure to properly investigate and resolve my disputes. 

I have repeatedly requested supporting documentation from the reporting companies since XX/XX/XXXX, yet they have failed to provide any evidence to substantiate their claims. Additionally, this company has not adequately addressed the disputes I have raised, nor have they provided the necessary documentation to support any findings, despite my multiple requests. I have asked the consumer and Creditor Experian for debt validation proof, XXXX, bill of sale, sale data file and debt ownership. No documentation has been provided of proof. No proper detailed proof of investigation has been provided. 

Due to Experian 's involvement in ongoing litigation with the CFPB, I am preparing to include myself in that civil lawsuit. I expect compensation for the damages caused by the mishandling of my credit report, including but not limited to the inaccuracies in collection accounts and credit inquiries that I have disputed. These disputes were submitted in writing, via mail, and through phone conversations, yet the information remains unresolved and continues to negatively impact my credit and damaged it. 

Furthermore, this company 's failure to properly investigate and address these matters has significantly impacted my ability to secure housing, obtain a VA loan, and purchase a vehicle, despite my substantial down payment. I have also faced repeated errors, including the reinsertion of deleted accounts onto my credit report, which constitutes a violation of my rights under the Fair Credit Reporting Act. 
This company has not provided clear explanations or the requested details regarding the results of any of my disputes, nor have they investigated these matters in good faith. It appears that Experian has prioritized the creditors ' statements over the verifiable facts and my claims, despite the lack of evidence from the creditors to substantiate their reporting. 

As a result of these ongoing issues, I am prepared to take further legal action to hold Experian accountable for the damage caused by these unresolved disputes. I expect prompt resolution of these matters and full compensation for the harm caused to my credit and personal finances. 

In the light of the CFPB lawsuit filed against Experian on XX/XX/XXXX I insist you conduct an investigation as required by FCRA law. Do not accept the findings of the furnishers who do not provide thorough results of their investigation which I will ask you to provide to me in detail via mail. Delete or correct disputed information within the timeline provided by federal law. 

Pursuant to 15 U.S.C. XXXXc, they have violated my rights concerning communication under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection accounts listed by XXXX XXXX XXXX and XXXX XXXX have been reported on my credit file without adhering to the provisions set forth in the statute. 

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