Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
I am currently a XXXX  veteran XXXX XXXX XXXX XXXX XXXX. I became aware of a debt XXXX XXXX XXXX XXXX for {$12000.00} that is not my debt. I sent in a dispute to XXXX and Experian and they sent a letter in return saying this account is verified. I asked the company to send me proof of debt and they did not. according to 15 USC 1681B. the credit bureaus are to report accurate information. in this case they did not. this has caused irreparable damages to my XXXX  career and this false negative collection. accounts must be removed asap for shame investigations by XXXX Experian and XXXX. remover the following collections from my credit profile now XXXX acct # XXXX {$3500.00} XXXX  acct # XXXX {$12000.00} XXXX  XXXX {$10000.00} remove this items now so my credit profile can report accurate information according to the fcra. The CFPB found XXXX violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that XXXX violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found XXXX harmed consumers by : Failing to thoroughly investigate consumer disputes : XXXX process for submitting disputes limits the ability of consumers to fully and accurately describe their disputes. In many cases, XXXX also failed to consider relevant information submitted by consumers, sometimes not looking at the information at all. Then, after XXXX forwarded information about a dispute to a furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, the resulting letters XXXX sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted. Putting previously deleted errors back on credit reports and failing to block identity- theft related information : XXXX did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, XXXX also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because XXXX failed to correct the information the first time, or because XXXX reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, XXXX reported credit information that it should have blocked because the information resulted from identity theft. Sharing inaccurate credit scores and data about consumers with lenders : Coding errors in XXXX internal software caused the company to miscalculate and share inaccurate credit scores for several hundred thousand consumers. The company also reported the same credit accounts multiple times for more than 50,000 consumers.

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