Consumer complaint received 2025-03-11 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:
Date : XX/XX/year> Your Name : XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting by Experian and Failure to Properly Investigate Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Experian for failing to conduct a proper investigation regarding inaccurate reporting on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). The credit bureau has not properly investigated the accuracy of several items listed on my credit report. As required by the FCRA, specifically under Section 1681i ( Duties of consumer reporting agencies ) and Section 1681s-2 ( Responsibilities of furnishers of information to consumer reporting agencies ), Experian is obligated to ensure the accuracy and completeness of the information it reports. 

I have previously submitted a request for an investigation into the below listed accounts, but Experian has failed to complete their investigation with the due diligence required by the FCRA. The inaccuracies in these listings have had serious consequences, including but not limited to, negatively impacting my ability to secure housing, employment, and loans. Experians failure to properly handle these issues is in direct violation of the FCRA and is also reflective of previous issues with improper investigations, as highlighted in the recent legal actions taken by the CFPB against Experian. 

The XXXX accounts listed below have been improperly reported and require immediate removal from my credit profile : XXXX XXXX XXXX - XXXX XXXX XXXX in the amount of {$300.00}, which is incorrectly showing as past due. 
Account Number : XXXX XXXX XXXX XXXX - XXXX  XXXX  in the amount of {$5500.00}, which is incorrectly showing as past due. 
Account Number : XXXX XXXX XXXX XXXX - XXXX  XXXX in the amount of {$4400.00}, which is incorrectly showing as past due. 
Account Number : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  in the amount of {$220.00}. 
Account XXXX : XXXX XXXX XXXX XXXX - Paid, but not removed as agreed in the amount of {$170.00}. 

XXXX XXXX XXXX - XXXX XXXX in the amount of {$480.00}, which is incorrectly showing as past due. 
Account XXXX : XXXX As required under FCRA Section 1681i, Experian is obligated to conduct a reasonable investigation into these accounts, which it has failed to do. Additionally, under FCRA Section 1681e ( b ), Experian has an obligation to maintain accurate information on my credit report. Furthermore, the failure of Experian to conduct a complete investigation and correct these inaccuracies may be considered a violation of FCRA Section 1681n for willful noncompliance, and a violation of FCRA Section 1681o for negligent noncompliance.

The aforementioned inaccuracies have resulted in substantial harm to my creditworthiness and have negatively affected my ability to obtain necessary financial products, including housing, employment, and loans. The fact that Experian has recently been sued by the CFPB for improper investigationsleading to consumers experiencing such denialsfurther underscores the urgent need for your intervention in this matter. I respectfully request immediate removal of the above XXXX accounts from my credit report to ensure compliance with the FCRA. 

I urgently ask that the CFPB take the necessary steps to ensure that Experian complies with the law and rectifies these reporting errors promptly. Thank you for your attention to this matter. 

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