Consumer complaint received 2025-02-02 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: IN

Complaint narrative:
You are already being sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

When consumers disputed errors on their credit reports, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law, said CFPB Director XXXX XXXX. Credit reporting errors can have serious consequences for a familys finances, and it is critical that credit reporting giants follow the law. 

I have been disputing inaccurate and incomplete information on my consumer report for years, with not real success. I've been financially unable to live, I'm stressed out, and barely able to provide for my family due to the extended credit refusals, denials for housing ( I'm currently living in a hotel because of this wrong information impacting my credit ). Theses accounts remain incorrect and the Credit Reporting Agencies admit to them being incorrect. 

XXXX XXXX XXXX Account # XXXX The credit reporting agency is reporting 17 late payments, but the account says 9 late payments, the vehicle has been paid in full. It also says " the incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. '' XXXX XXXX AKA XXXX  Account # XXXX This account has been paid off but it's reporting as repossessed with a payment after repossession. It also says " the incorrect account with XXXX XXXX AKA XXXX that starts with XXXX has not been changed and will remain on your credit report. '' XXXX XXXX XXXX Account # XXXX This account is reporting as charged off and XXXX " potentially '' negative months ( either it is or it's not ) which it is not accurate. It's also reporting as repossessed. This account also says " the incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. '' XXXX XXXX XXXX Account # XXXX It also says " the incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. '' XXXX XXXX XXXX XXXX Account # XXXX It also says " the incorrect account with XXXX XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. '' It's also reporting as a charge off with late payments. 

I have no idea where the XXXX XXXX  with the account # XXXX even came from. This is definitely not my account! 

The credit reporting agencies are also still reporting inaccurate addresses on my consumer report. 

I ONLY receive mail at one address : XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX And XXXX XXXX XXXX XXXX XXXX, MI XXXX Should not be on my report, I do not reside nor receive mail at either of those addresses.

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