Consumer complaint received 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against XXXX & Experian for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. Despite my repeated efforts to dispute inaccurate information on my credit report, Experian has neglected their legal obligation to investigate and correct these errors promptly, causing significant harm to my financial well-being. 

XXXX XXXX XXXX XXXX XXXX : Experian Report Number : XXXXXXXX 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 : Unauthorized charges were made on this account without my consent. Despite having notified Experian, these fraudulent charges remain on my report. Attached are copies of correspondence and documentation supporting my claim. Experians refusal to investigate this matter is a clear violation of FCRA 15 U.S.C. 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This bankruptcy entry is completely false. I have never filed for bankruptcy, and the court has confirmed that they do not report to credit bureaus. Documentation verifying this is attached. Despite my clear evidence, Experian has failed to remove this inaccurate entry, which is a direct breach of their obligations under federal law. 
XXXX and Experians Violation of FCRA XXXX and Experians failure to correct these inaccuracies demonstrates a blatant disregard for the consumer protection laws outlined under the FCRA. By refusing to adequately investigate or remove these fraudulent and incorrect entries, Experian is causing undue harm and damaging my creditworthiness. This negligence is not only financially burdensome but also constitutes a violation of my rights. 

Action Requested I am requesting that the CFPB : Conduct an immediate investigation into Experians failure to comply with their obligations under the FCRA. 

Compel Experian to correct or remove the disputed items from my credit report immediately. 

Impose appropriate penalties on Experian for their ongoing failure to maintain accurate credit reports as required by law. 
Provide me with a full report of the findings and any actions taken against Experian. 
I have attached all relevant documentation, including copies of my dispute letters, correspondence with XXXX and Experian, and evidence supporting my claims. 

Conclusion XXXX and Experians refusal to adhere to federal laws protecting consumers from inaccurate credit reporting is unacceptable. I seek your assistance in holding Experian accountable and ensuring that my credit report reflects only accurate and truthful information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

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