Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian Information Solutions , Inc. for their failure to properly investigate and correct errors on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite my multiple attempts to dispute inaccuracies on my credit report, Experian has failed to conduct a thorough investigation and has not removed or corrected the erroneous information. This has negatively impacted my ability to access credit, employment, and housing1. 

I am aware of the recent lawsuit filed by the CFPB against Experian for similar violations, including conducting sham investigations and failing to remove or correct errors on consumers ' credit reports. I believe my experience aligns with the issues raised in this lawsuit and request your assistance in addressing this matter. 

Please find attached copies of my dispute letters to Experian, their responses, and any relevant documentation supporting my claim. 

I have been trying to fix my credit, I sent out multiple letters to Experian but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for Sham Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. '' how can I use this to my advantage and can you help me create a complaint so i can file it with the CFPB online Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REQUESTED INVESTIGATION AND ERRORS AND LATE PAYMENTS TO BE REMOVED PAYMENTS WERE ON TIME AND PAID OFF ON TIME BY INSURANCE NO CHANGES OR INVESTIGATION WAS MADE ALSO WAS NOT PROVIDED WITH SUPPORTING DOCUMENTS XXXX XX/XX/XXXX REQUESTED INVESTIGATION AND ERRORS AND LATE PAYMENTS TO BE REMOVED PAYMENTS WERE ON TIME NO CHANGES OR INVESTIGATION WAS MADE ALSO WAS NOT PROVIDED WITH SUPPORTING DOCUMENTS DATES AND BALANCE INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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