Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding Experian, XXXX, and XXXX handling of my credit report and their failure to properly investigate and verify an inaccurate XXXX XXXX account that is being reported. These credit reporting agencies have repeatedly sent stall letters and have not conducted the necessary investigation to resolve discrepancies in the reported balance and payment history on my XXXX XXXX account. This is not only a violation of my rights under the Fair Credit Reporting Act ( XXXX ) but also constitutes fraud as the reported information is inaccurate. 
I have disputed the following XXXX XXXX account with all three credit bureaus, but my disputes have not been properly addressed : XXXX CARD - XXXX The balance reported on my credit report does not reflect the actual balance of the account, and the payment history is incorrect, which negatively impacts my XXXX XXXX and financial standing. These inaccuracies have persisted despite my multiple attempts to resolve the issue directly with Experian, TransUnion, and Equifax. 
Under the FCRA, XXXX XXXX, credit bureaus are required to investigate disputes within XXXX  days, and Section XXXX mandates that the information they report must be accurate and verifiable. However, instead of conducting a legitimate investigation into my dispute, all three credit bureaus have sent me stall letters and failed to provide adequate verification of the reported information. They have not addressed the inaccuracies in the XXXX XXXX account despite my clear evidence of discrepancies. 
This failure to properly investigate and verify the inaccuracies constitutes a violation of my consumer rights and is an act of fraud, as it is misrepresenting my financial history to third parties and negatively affecting my credit profile. 
I am requesting that your office investigate the practices of Experian, TransUnion, and Equifax in this matter. They have not only violated my rights by failing to comply with the FCRA, but they are also engaging in actions that result in fraudulent reporting on my credit file. The inaccurate reporting of this XXXX XXXX account must be corrected, and I insist that the credit bureaus either verify the account accurately or permanently remove it from my credit report. 
Please find enclosed copies of the relevant documents, including the dispute letters I sent to the credit bureaus, the stall letters I received in response, and my credit report showing the disputed XXXX XXXX account with the incorrect balance and payment history. 
I appreciate your prompt attention to this matter and look forward to your response. I trust that your office will take the necessary steps to hold Experian, TransUnion, and Equifax accountable for their failure to comply with the FCRA and their continued fraudulent reporting.

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