Consumer complaint received 2025-01-15 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: NC

Complaint narrative:
I am writing to formally request that the CFPB investigate my dispute with Experian. Despite my efforts to resolve the issue directly with Experian, I believe that my dispute has not been properly handled, and I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other related laws have been violated. Below are the key reasons I am requesting the CFPBs intervention : Failure to Investigate Dispute Properly : I submitted a formal dispute regarding inaccurate or incomplete information on my credit report with Experian. However, the information was not adequately investigated, nor was I provided with sufficient details about the outcome of the investigation, which is a violation of my rights under the FCRA. Specifically, I requested verification or correction of a debt entry ( or other disputed information ), but the credit reporting agency failed to provide a satisfactory response or a thorough investigation as required by law. 
Inaccurate Reporting : The item in question was inaccurately reported, and Experian failed to correct the error, even after I provided supporting documentation ( e.g., proof of payment, dispute letters, etc. ). The ongoing reporting of this incorrect information is causing harm to my credit score and preventing me from securing necessary financial services, which is directly affecting my ability to manage my financial life. 
Inadequate or Unresponsive Customer Service : Despite my multiple attempts to resolve the matter through Experians dispute process, I have not received adequate customer service or a timely resolution to my concerns. In some cases, I did not receive responses to my inquiries, or the responses were vague, unhelpful, or contradictory, which has left me in an ongoing state of confusion and distress. 
Violation of FCRA and My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a fair and thorough investigation into disputes. Additionally, they must correct or delete information that is found to be inaccurate, incomplete, or unverifiable. Experians failure to comply with these requirements is a clear violation of my rights under the FCRA. Despite my reasonable efforts to resolve the matter, my credit report remains adversely affected by inaccurate information. 
Potential Harm to My Creditworthiness : The inaccurate reporting on my credit report, and the failure of Experian to properly address my dispute, is negatively impacting my creditworthiness. As a result, I have been denied or delayed access to credit, loans, and other financial services. The ongoing negative impact on my credit score, due to reporting errors and Experians mishandling of the dispute process, is causing me significant financial hardship. 
For these reasons, I am respectfully requesting that the CFPB review my complaint and intervene as needed. I believe that Experian has not acted in accordance with the protections guaranteed to me under federal law and that their failure to properly handle my dispute has led to harm that I am now unable to rectify on my own. 

I have included the relevant documents, including copies of my dispute letters, proof of submission, any communication with Experian, and the details of the disputed accounts. I am confident that an investigation into this matter will show that my rights as a consumer have been violated, and I hope the CFPB can help resolve this issue promptly. 

Thank you for your time and attention to this matter. I look forward to your response

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