Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
Experian, XXXX, XXXX XX/XX/XXXX Re : Dispute of Inaccurate Information - Request for Removal of Accounts Reference : CFPB XXXX XXXX Experian and XXXX Dear XXXX, I am writing to formally dispute several inaccuracies on my credit report, which I previously submitted for investigation. Despite my efforts to resolve these issues, I have found that Experian/Equifax/Transunion did not conduct a proper investigation, nor did they verify the accuracy of the disputed accounts and information as required by law. 

I understand that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian and XXXX for failing to properly investigate consumer disputes, violating the Fair Credit Reporting Act ( FCRA ). According to the complaint, these credit bureaus have failed to perform thorough investigations and ensure the accuracy of disputed information, which has had detrimental effects on consumers credit reports and scores. Based on this, I request the immediate removal of the inaccurate accounts from my credit report due to the failure to properly investigate and verify them. 

Here are the details of the disputed items on my report : XXXX. XXXX $ XXXX I have included the inaccuracies that both Experian and XXXX stated were accurate several times. Not only is the account far from accurate XXXX and Experian are not reporting the open date correctly, and the last active date on the account is over two years difference. Meaning it will be on my credit for over years after it falls off the other. Which is very illegal and againist my rights. It doesnt stop there I have for years disputed both companies stating that this isnt my account. I have never heard of them and i have never set up a account with them. I have now filed two FTC reports and now with this second report they have turned it into a XXXX day dispute. Under 605b the item should of been removed in XXXX days. There is no way that either verified this account because it is not mine at all. 


XXXX. XXXX XXXX XXXX $ XXXX I have disputed this with all XXXX of the bureaus and it was not investigated but sent to me as verified. There is not one thing on the XXXX reports that is accurate. The open dates dont reflect the same across all XXXX reports, last reported date, last active date one of them is from XXXX and the other two are different dates in XXXX, last active date, and even the last payment date. Lets not forget that while Experian has reported on this collection/charge off every single month as a chargeoff for the lasXXXX XXXX  years we have XXXX that has at least half or XXXX CO XXXX has that the payments were n time. Now to a creditor this is not accurate and very confusing and misleading. This account has been verified as accurate several times by all XXXX bureaus but how? How is that accurate? I need to see the verification please? 


XXXX XXXX XXXX- XXXX XXXX Open Date - XXXX Here is another account that XXXX and XXXX alone has failed XXXX verify. I have disputed this account several times becaise it does not belong to me in no form or fashion. I dont know who this company is nor have i ever had a agreement with them. I have included this in my FTC report that somehow was turned into a XXXX days dispute where section XXXX states otherwise. To my surprise that XXXX still has this fraud account negatively impacting me and only XXXX when its due to their very own data breach. I have supplied prove of that as well. 


XXXX XXXX XXXX account has has hurt my credit profile for years and XXXX and XXXX has allowed this. I have disputed this too many times that i cant count because lenders have denied me over the inconsistencies in the report. We are talking about thousands of dollars difference. How can either company claim that this whole accou t isnt XXXX big inaccuracy? How many times will you have to break the law and lied and commit fraud to keep this company from hurting me negatively. I have been turned down houses and car for this account alone. Since day XXXX over XXXX  years on my report it not once has reported accurately. Opening dates dont match, the balance is over XXXX dollars difference, the high balance is almost XXXX dollars off, the past due is almost XXXX dollars off, the last date active dont match, not even the last date active and we for sure know by now that the last payment date cant possibly be reporting accurate. You have failed to follow the laws, you have failed me, my family, you have lied and not completed your job. I have disputed this for a little less then almost XXXX years. 


I have provided all necessary documentation to substantiate my claims, and I respectfully ask that you remove these accounts from my credit report since they have not been verified, and the reporting is in direct violation of the requirements outlined by the CFPB lawsuit and the FCRA. 

As these inaccuracies are significantly harming my credit standing, I would like to resolve this issue swiftly. Since the accounts can not be properly verified or investigated, I demand their immediate removal. Please provide me with an updated copy of my credit report after the dispute resolution. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, [ Your Name ] [ Your Signature ( if sending by mail ) ]

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 non-monetary relief