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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Complaint Against Experian for Non-Compliance with FCRA Requirements To Whom It May Concern, I am writing to formally lodge a complaint against XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related statutes, including 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Over the past XXXX years, I have diligently submitted dispute letters to XXXX, seeking corrections to errors on my credit report. Unfortunately, their repeated failures to comply with federal requirements have caused significant harm to my financial standing and access to credit and housing. 

**Key Issues : ** 1. **Failure to Ensure Maximum Possible Accuracy ( 1681e ( b ) ) ** XXXX has consistently failed to ensure the accuracy of the information on my credit report. Despite providing detailed evidence and documentation of the errors, the inaccurate information remains unresolved. 

2. **Noncompliance with Duties of Furnishers ( 1681s-2 ) ** XXXX has not adequately ensured that data furnishers comply with their duty to report accurate information. Moreover, XXXX allowed erroneous information to be reported and reinserted on my credit file without proper notice to me. 

3. **Failure to Conduct Timely Investigations ( 1681i ( 5 ) ) ** On more than one occasion, XXXX took longer than the XXXX statutory period to complete their investigations. My most recent dispute remained unresolved for almost XXXX months, a blatant violation of the FCRAs timeline requirements. 

4. **Reinsertion of Erroneous Information ( 1681c ( c ) ) ** Despite resolving certain inaccuracies in my credit report, XXXX reinserted these errors without notifying me as required under the FCRA . This recurrence of inaccurate information further exacerbated the damage to my credit profile.

5. **Impact on Credit and Housing** Due to XXXX negligence and noncompliance, I have faced undue hardship, including threats to my access to credit and housing opportunities. This ongoing issue has caused significant emotional and financial distress.

**CFPB Lawsuit Against XXXX : ** I recently became aware of the CFPBs lawsuit against XXXX for " sham investigations '' of credit report errors. My experience aligns with the allegations in this lawsuit. It is clear that XXXX has failed to conduct meaningful investigations into disputes and has neglected their obligations under the FCRA. 

**Requested Resolution : ** I respectfully request that the CFPB investigate XXXX handling of my disputes and ensure compliance with federal law. Specifically, I seek : - Immediate and permanent removal of all erroneous information from my credit report.

- Assurance that no erroneous information will be reinserted in the future.

- Compensation for the financial and emotional harm caused by XXXX noncompliance. 
- Implementation of measures to ensure XXXX adheres to FCRA requirements in future disputes. 

**LIST OF ERRONEOUS TO BE REMOVED** XXXXXXXX XXXX XXXX {$400.00} XXXX XXXXXXXX XXXX XXXX {$870.00} XXXXXXXX XXXX- {$400.00} Thank you for your attention to this matter. I trust that the CFPB will take swift action to address these issues and hold XXXX accountable for their violations. 

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