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

Complaint narrative:
Its been more then 30 days and still no update, no method of validation I ask Experian to prove they did a full complete and proper investigation, asking them to provide, Who? What? And How did they verify these accounts. They sending false updates online stating they updated the accounts but fail to do so Before dispute look exactly like the after Dispute. I been denied a mortgage and Auto loan due to the inaccurate information reporting on my credit report. Experian Sham Lawsuit Due to these violations and the ongoing harm to my creditworthiness, I demand the following : * Immediate Deletion : Delete the entire XXXX XXXX account [ Partial Account Number XXXX ] from my credit report. 
* Notification to All Users : Notify all recipients of my credit report within the past two years that this account has been deleted. 
* Compensation : I demand {$1000.00} for each violation of the FCRA outlined above, totaling {$5000.00}. This compensation is for the time, stress, and potential financial harm caused by Experian 's negligence. 
Legal Basis : My demands are supported by the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ) ( XXXX ). These sections outline your obligations to ensure accuracy, conduct thorough investigations, and provide transparent verification methods. 
Next Steps : I expect a written response within 10 days confirming the deletion of this account and detailing the steps taken to address my compensation demand. Failure to comply will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 
Please provide all documentation related to this account and your investigation. 
Due to these violations and the ongoing harm to my creditworthiness, I demand the following : * Immediate Deletion : Delete the entire XXXX XXXX XXXX account [ Partial Account Number XXXX ] from my credit report. 
* Notification to All Users : Notify all recipients of my credit report within the past two years that this account has been deleted. 
* Compensation : I demand {$1000.00} for each violation of the FCRA outlined above, totaling {$6000.00}. This compensation is for the time, stress, and potential financial harm caused by Experian 's negligence. 
Legal Basis : My demands are supported by the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ) ( 7 ). These sections outline your obligations to ensure accuracy, conduct thorough investigations, and provide transparent verification methods. 
Next Steps : I expect a written response within 10 days confirming the deletion of this account and detailing the steps taken to address my compensation demand. Failure to comply will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 
Please provide all documentation related to this account and your investigation. 
Demand for Action and Compensation : Due to these violations and the ongoing harm to my creditworthiness, I demand the following : * Immediate Deletion : Delete the entire XXXX XXXX XXXX account [ Partial Account Number XXXX ... XXXX ] from my credit report. 
* Notification to All Users : Notify all recipients of my credit report within the past two years that this account has been deleted. 
* Compensation : I demand {$1000.00} for each violation of the FCRA outlined above, totaling {$5000.00}. This compensation is for the time, stress, and potential financial harm caused by Experian 's negligence. 
Legal Basis : My demands are supported by the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( b ), XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) ( B ), and XXXX ( a ) ( XXXX ). These sections outline your obligations to ensure accuracy, conduct thorough investigations, and respond to disputes promptly and transparently. 
Next Steps : I expect a written response within 10 days confirming the deletion of this account and detailing the steps taken to address my compensation demand. Failure to comply will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 
Please provide all documentation related to this account and your investigation. 

Now here are the disputes for each account explaining all the violations on my credit report. 

Also Delete these Inquiries that were fraudulent on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Enclosed proof of the accounts and violations and pictures of the credit report before the dispute and after

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