Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
Dear Experian Dispute Resolution Team, I am writing to formally dispute multiple inaccuracies and incomplete information on my credit report, which have caused significant harm to my financial well-being. Despite my ongoing efforts to address these issues, including several complaints filed with the Consumer Financial Protection Bureau ( CFPB ), these matters remain unresolved. I have also recently initiated arbitration proceedings to address these violations, as they reflect ongoing harm to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Additionally, I reference the CFPB 's legal action against Experian for similar practices that directly align with my grievances. 

Disputed Accounts and Issues XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The balance and high credit amounts reported are inconsistent between bureaus, and payment history has not been accurately reflected. Additionally, the comments section states, " Dispute resolved ; customer disagrees, '' which fails to acknowledge the specific inaccuracies I continue to contest. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian lists two dismissed XXXX XXXX XXXX filings under public records. These entries are misleading and incomplete, lacking accurate and detailed information, including closure remarks and outcomes that demonstrate no liabilities or exempt amounts. 
Violations and Consumer Impact I believe these errors constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Failure to Ensure Accuracy : Experian is obligated to maintain accurate and complete reporting of my credit data under Section 607 ( b ).

Failure to Correct Disputed Information : Despite my prior disputes, these inaccuracies persist, reflecting non-compliance with the FCRAs Section 611 requirements for timely and thorough investigation. 
Inadequate Notification : Experian has not provided me with proper updates or resolutions regarding these disputes, leaving me unable to fully address the impact. 
Harm Caused These inaccuracies have resulted in significant damage to my credit reputation, denied credit opportunities, higher interest rates, and emotional distress. Additionally, Experian 's neglect to resolve these issues undermines my trust in its ability to fulfill its role as a consumer reporting agency. 

Initiation of Arbitration Due to the lack of resolution through the CFPB and Experian 's continued failure to address these violations, I have recently initiated arbitration to address these exact issues. The arbitration process underscores the severity of the harm caused and my commitment to holding Experian accountable for ensuring compliance with the FCRA and the accuracy of its reporting. 

Requested Actions I respectfully request that Experian : Provide me with a detailed response, including documentation used to validate the accuracy of these records. 
Confirm the resolution of each issue in writing. 
Prior Complaints As noted, I have filed multiple CFPB complaints highlighting similar grievances. These complaints, along with the ongoing arbitration, reflect my sustained efforts to resolve these matters in good faith. 

Supporting Documentation Enclosed with this letter are copies of : My credit report highlighting the disputed entries. 
Documentation of payments and correspondence to support my claims. 
Previous complaint references with the CFPB for context. 
I expect a written response within 30 days as required under the FCRA. Failure to resolve these issues promptly will further substantiate my claims in arbitration. 

Thank you for your attention to this matter. Please confirm receipt of this dispute and provide any updates at XXXX XXXX XXXX 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