Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the handling of my credit report disputes by the major credit bureaus : XXXX, XXXX, and Experian. Despite multiple attempts to resolve inaccuracies on my credit reports, I have encountered significant obstacles and inadequate responses from each of these bureaus, which has left me feeling utterly exasperated. 

XXXX : Non-Responsive Behavior XXXX has failed to respond to my disputes altogether. I have submitted multiple dispute letters, providing detailed explanations and supporting evidence to demonstrate the inaccuracies in my report. Despite my efforts, XXXX has not acknowledged or addressed my concerns. This complete lack of response is not only unprofessional but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX : Bogus Stall Letters XXXX has been sending me generic stall letters that do not address the specific issues I have raised. These stall letters claim that my disputes require additional time for investigation, yet they provide no substantive information or progress updates. It is evident that XXXX is attempting to delay the resolution of my disputes without conducting a proper investigation, which is unacceptable and in direct violation of the FCRA. 

Experian : Disputing the Legitimacy of My Disputes Experian has sent me emails questioning the legitimacy of my disputes, suggesting that they do not believe the disputes were initiated by me. This is particularly frustrating, as I have provided all necessary documentation and identification to verify my identity. Experian 's refusal to acknowledge and investigate my disputes is a clear violation of my consumer rights and further exacerbates my distress. 

Impact on My Financial Well-being The lack of responsiveness and inadequate handling of my disputes by XXXX, XXXX, and Experian has had a significant negative impact on my financial well-being. The inaccuracies on my credit reports have led to unfair denials of credit, higher interest rates, and damage to my credit score. I am now at a point where I feel helpless and overwhelmed by the actions of these credit bureaus. 







Request for CFPB Intervention I urgently request the intervention of the Consumer Financial Protection Bureau ( CFPB ) to hold XXXX, XXXX, and Experian accountable for their non-compliance with the FCRA. I am seeking immediate and thorough investigations into my disputes, as well as appropriate penalties for the credit bureaus ' failure to fulfill their legal obligations. 

I am deeply frustrated by the current situation and implore the CFPB to take swift action to ensure that my disputes are addressed fairly and promptly. I believe that the CFPB 's involvement is crucial to rectifying these issues and protecting my rights as a consumer.

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