Consumer complaint received 2025-02-19 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: MN

Complaint narrative:
I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Despite sending multiple dispute letters and filing several CFPB complaints, Experian has failed to properly investigate my disputes and continues to report inaccurate and misleading information on my credit file. Additionally, I have not received an updated credit report via mail as required under the FCRA. 

Upon reviewing my credit report through XXXX, I discovered that Experian has reinserted accounts that were included in my bankruptcy, reporting them as negative. This is a direct violation of FCRA reinsertion rules. Furthermore, Experian has failed to conduct a reasonable investigation into my disputes and has provided false or misleading responses. 

I am formally requesting the immediate deletion and correction of the following inaccurate information from my Experian credit report : 1. Incorrect Personal Information : Incorrect names Incorrect addresses 2. US Bankruptcy Court Minnesota : The U.S. Bankruptcy Court does not report or verify bankruptcies to consumer reporting agencies. This entry should be deleted. 
3. Accounts Included in Bankruptcy but Reinserted as Negative : XXXX XXXX XXXX XXXX  This account was included in my bankruptcy. However, it is now reporting as negative. I also received a letter from XXXX XXXX XXXX XXXX stating that they provided me with information I requested, which is false as I never requested any such information. 
XXXX XXXX This account was included in my bankruptcy but is now reporting as negative. 
XXXX XXXX  This account was included in my bankruptcy but is now reporting as negative. 
4. Accounts with Missing or Unverified Documentation : XXXX XXXX XXXX  They have not provided documentation that constitutes a valid debt. 
XXXX XXXX They have not provided proper documentation to validate this debt. 
XXXX XXXX They have not provided proper documentation to validate this debt. 
5. Accounts Reporting Inaccurate Information : XXXX XXXX XXXX Reporting inaccurate information. 
XXXX Reporting inaccurate information. 
XXXX XXXX XXXX Requires an update. 

Experians Failure to Comply with the FCRA : Failure to provide an updated credit report via mail after multiple disputes. 
Failure to conduct a reasonable reinvestigation of disputed accounts. 
Reinserted accounts included in bankruptcy without proper notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
Providing misleading and false responses to disputes. 


Please provide me with an update on the status of this complaint and the corrective actions that will be taken against Experian. I appreciate your prompt attention to this matter.

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