Consumer complaint received 2025-01-06 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: AZ

Complaint narrative:
I am filing this formal complaint against Experian for its ongoing violations of the Fair Credit Reporting Act ( FCRA ), refusal to remove fraudulent accounts, failure to correct inaccurate addresses, and its role in perpetuating harm to my credit profile. These issues have caused significant financial and emotional harm, including denials of loans, credit cards, and other opportunities, all stemming from Experians mishandling of my credit report. 

Since late XXXX I have sent multiple notices to Experian disputing fraudulent accounts and inaccurate information on my credit report. Despite providing clear documentation, including affidavits of dishonor, notary certificates, and other evidence, Experian has failed to fulfill its obligations under the FCRA ( 15 U.S.C. 1681i ) to investigate and remove the disputed information within the required 30-day period. Instead, I have received only generic responses or no response at all, leaving unresolved inaccuracies that continue to damage my credit. 

Moreover, Experian has failed to remove outdated and inaccurate addresses from my credit profile, leaving me vulnerable to further data breaches and unauthorized activity. This negligence is particularly concerning, given the history of data breaches that have already compromised my sensitive information. By refusing to address these issues, Experian is perpetuating harm and exposing me to additional risks. 

The consequences of Experians actions, or lack thereof, have been severe : Denial of credit opportunities, including loans, credit cards, and vehicle purchases.

Continued harm to my credit standing due to the presence of fraudulent and inaccurate information.

Emotional and financial distress caused by Experians negligence and disregard for its obligations under the FCRA.

A lack of just compensation despite Experians clear violations and the harm I have endured for over three years.

I respectfully request that your office investigate Experians noncompliance with the FCRA, as well as its failure to protect consumer data and address disputes responsibly. Specifically, I am seeking : The immediate removal of all disputed accounts and inaccurate addresses from my credit report. 
Written assurances that Experian will implement measures to prevent further vulnerabilities to data breaches. 
Compensation for the financial losses and emotional distress caused by Experians actions.

Accountability and enforcement measures to ensure Experian complies with its legal obligations moving forward.

Experians failure to correct these issues has caused irreparable damage to my financial stability and opportunities. I trust your office will take action to hold Experian accountable for its violations and ensure that it fulfills its duties to consumers under the law. 

Thank you for 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