Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint against Experian for their refusal to investigate disputed inaccuracies on my credit report, violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to Experian via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into XXXX inaccurate accounts on my credit report, including incorrect payment statuses, erroneous late payment notations, and incomplete data that misrepresent my creditworthiness. These accounts include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Incorrect late payments reported for XXXX and XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : Incorrectly reported as " Debt included in or discharged through Bankruptcy XXXX  XXXX, '' despite no bankruptcy involvement. 
XXXX - XXXX : Incorrect late payment reported for XX/XX/XXXX. 
XXXX XXXX - XXXX : Incorrect late payments reported for XX/XX/XXXX and XXXX XXXX. 
XXXX XXXX  XXXX - XXXX : Missing monthly payment and high credit amounts, with an inaccurate date of last payment ( XX/XX/XXXX ) compared to the last reported payment in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - XXXX : Incorrectly reported as " Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX '' despite no bankruptcy involvement. 
XXXX XXXX XXXX XXXXXXXX : Incorrect late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - XXXX : Incorrectly reported as " Debt included in or discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX, '' despite no bankruptcy involvement. 
XXXX XXXX XXXX XXXX - XXXX : Missing monthly payment, with an inaccurate date of last payment ( XX/XX/XXXX ) compared to the last reported payment in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX : Incorrect late payments reported for XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX - XXXX : Incorrect late payments reported for XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - XXXX : Incorrect late payments reported for XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX - XXXX : Incorrect late payments reported for XXXX and XX/XX/XXXX and XXXX XXXX. 
I included all required identity verification documents as mandated by the FCRA to ensure a proper investigation. Despite my efforts, Experian failed to conduct the requested investigation. Instead, I received an email response stating, We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. This dismissive reply indicates Experian did not verify the accuracy of the disputed items or correct the inaccuracies, violating my FCRA rights under Sections 1681i ( requiring a reasonable investigation ) and 1681e ( b ) ( requiring maximum possible accuracy ). Experians negligence continues to harm my credit profile, affecting my ability to secure credit and causing financial distress.

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