{"took":903,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1377,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8629451","_score":21.445269,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute Regarding Willful Non-Compliance with Compliance Standards Dear Experian, I am writing to formally dispute information on my credit report regarding willful non-compliance with compliance standards. Upon reviewing my credit report, I discovered inaccuracies and discrepancies that are negatively impacting my creditworthiness and financial standing. \n\nThese inaccuracies are not only damaging my credit score but also potentially violating consumer protection laws and compliance standards. I request that you conduct a thorough investigation into these matters and provide a prompt resolution. \n\nUnder the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I expect you to take immediate action to rectify these errors and update my credit report accordingly. \n\nPlease acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. You may contact me at the above-listed contact information if you require any further clarification or documentation. \n\nThank you for your attention to this matter. I look forward to a swift resolution. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-03-27T00:57:36.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"20020","tags":null,"has_narrative":true,"complaint_id":"8629451","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-03-27T00:20:48.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Washington, DC <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Experian</em> Subject : <em>Dispute</em> Regarding Willful Non-<em>Compliance</em> with <em>Compliance</em> Standards <em>Dear</em> <em>Experian</em>, I am writing to formally <em>dispute</em> information on my credit report regarding willful non-<em>compliance</em> with <em>compliance</em> standards. Upon reviewing my credit report, I discovered inaccuracies and discrepancies that are negatively impacting my creditworthiness and financial standing."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[21.445269,"8629451"]},{"_index":"complaint-public-v1","_id":"11812669","_score":21.187674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute of Violation of FCRA 1681o ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA.\n\nThe details of the disputed item ( s ) are as follows : Collections Late payments Bankruptcy I submitted a dispute and despite the 30-day investigation period required under FCRA, I have not received a resolution or response, violating my rights under FCRA Section 1681o. '' ] Under FCRA Section 1681o, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I may consider pursuing further legal action for any damages I may have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T16:26:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"11812669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-28T16:07:12.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Experian</em> Subject : <em>Dispute</em> of Violation of <em>FCRA</em> 1681o ( Willful Noncompliance ) <em>Dear</em> Sir/Madam, I am writing to formally <em>dispute</em> the violation of my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically Section 1681o, regarding your failure to properly address my <em>dispute</em> within the required time frame and in <em>compliance</em> with the provisions of the <em>FCRA</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[21.187674,"11812669"]},{"_index":"complaint-public-v1","_id":"11926075","_score":20.432858,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Follow-Up Complaint to CFPB Subject : Failure to Resolve FCRA Violation Experians Non-Compliance with Dispute Obligations Complaint : Dear CFPB, I am filing this follow-up complaint regarding my original dispute submitted on XX/XX/XXXX ( Case No. XXXX ), in which I requested the deletion of inaccurate and misleading charge-off reporting by XXXX XXXX ( XXXX XXXX on Account No. XXXX. Experians handling of my dispute has not only failed to resolve the issue but also demonstrates clear non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) and 1681e ( b ). \nDespite providing detailed evidence that XXXX is improperly reporting Account XXXX. XXXX as both charged-off and past due simultaneously, Experian conducted XXXX superficial investigation, failed to correct the error, and has allowed the inaccurate reporting to persist. This follow-up complaint is necessary because Experians response did not address my concerns, failed to comply with FCRA-mandated dispute resolution standards, and improperly labeled my prior follow-up complaint as a duplicate to avoid accountability. \nBackground of the Complaint On XX/XX/XXXX, I submitted a complaint disputing AMEXs misleading charge-off reporting on Account No. XXXX, which creates the false impression of ongoing delinquency. \nThe FCRA requires that Experian conduct a reasonable reinvestigation and ensure that reported information meets the maximum possible accuracy standard. \nOn XX/XX/XXXX, Experian acknowledged receipt of my dispute but failed to provide any meaningful action to correct the misleading reporting. \nOn XX/XX/XXXX ( XXXX XXXX. XXXX ), I submitted a follow-up complaint due to Experians failure to comply with the 30-day reinvestigation timeframe required under FCRA 1681i ( a ) ( 1 ). \nInstead of correcting the error or explaining their justification for allowing the dual reporting to persist, Experian improperly marked my second complaint as a \" duplicate '' on XX/XX/XXXX, and closed it without resolution. \nExperians Ongoing FCRA Violations XXXX. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ( a ) ( 1 ) ) o Experians dispute process was not thorough or meaningful, as they failed to evaluate the accuracy of XXXX reporting practices and instead blindly relied on XXXX response. \no The continued reporting of both a charge-off and a past-due balance for Account XXXX. XXXX is inherently inaccurate and misleading. \nXXXX. Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) o The reporting of a charge-off as a one-time event is standard practice, yet Experian has allowed XXXX to report this charge-off monthly, giving the false impression of repeated delinquency. \no By permitting this misleading reporting on Account No. XXXX, Experian has failed its obligation to ensure that my credit report is accurate and not deceptive to creditors. \nXXXX. Improperly Closing My Prior Complaint as a Duplicate o My XX/XX/XXXX complaint was not a duplicate but an escalation due to Experians failure to resolve the issue in a timely manner as required by law. \no Instead of properly addressing my concerns regarding XXXX Account No. XXXX, Experian used the duplicate designation as a way to avoid correcting the inaccurate information. \nExperians Actions Reflect CFPB Lawsuit Allegations ( Case No. XXXX ) The CFPB has recently sued Experian for systemic failures in handling consumer disputes, conducting meaningful reinvestigations, and ensuring accurate credit reporting. My experience mirrors the allegations in CFPB XXXX Experian Information Solutions XXXX Inc. ( Case No. XXXX ), including : Failure to properly investigate disputes and instead relying blindly on furnishers. \nAllowing misleading and harmful credit reporting to persist, harming consumers. \nImproperly closing disputes without resolution and failing to provide clear results to consumers. \nRequested Resolution XXXX. Immediate Deletion of XXXX Account No. XXXX from My Credit Report o Given Experians failure to meet the FCRA-mandated 30-day deadline and their improper closure of my prior complaint, the only fair resolution is to delete the account entirely from my credit report. \nXXXX. Investigation into Experians Misuse of Duplicate Complaint Marking o The CFPB should review whether Experian is systematically closing valid consumer disputes by labeling them as \" duplicates '' to avoid accountability. \nXXXX. Regulatory Action Against Experian for FCRA Non-Compliance o Given that my case reflects a broader pattern of misconduct, I request that the CFPB take enforcement action against Experian to ensure compliance with FCRA requirements. \nI urge the CFPB to take this complaint seriously and hold Experian accountable for their failure to resolve this dispute properly. Thank you for your time and attention. I look forward to your response. \nSincerely, XXXX","date_sent_to_company":"2025-02-04T21:49:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"11926075","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-04T21:45:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Follow-Up Complaint to CFPB Subject : Failure to Resolve <em>FCRA</em> Violation <em>Experians</em> Non-<em>Compliance</em> with <em>Dispute</em> Obligations Complaint : <em>Dear</em> CFPB, I am filing this follow-up complaint regarding my original <em>dispute</em> submitted on XX/XX/<em>XXXX</em> ( Case No. <em>XXXX</em> ), in which I requested the deletion of inaccurate and misleading charge-off reporting by <em>XXXX</em> <em>XXXX</em> ( <em>XXXX</em> <em>XXXX</em> on Account No. <em>XXXX</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.432858,"11926075"]},{"_index":"complaint-public-v1","_id":"12322643","_score":20.353241,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experians Failure to Resolve Dispute and Violation of FCRA Timeframe Dear CFPB, I am escalating this complaint due to Experians continued failure to comply with FCRA 1681i ( a ) ( 1 ), which requires credit bureaus to complete investigations within 30 days. My original complaint ( XXXX XXXX. XXXX, filed XX/XX/year> ) was not responded to until XX/XX/year>, exceeding the 30-day deadline by 31 days. \n\nKey Issues : Failure to Complete the Investigation Within 30 Days ( FCRA 1681i ( a ) ( 1 ) ) Experian responded 61 days after the dispute was filed, violating the statutory deadline for dispute resolution.\n\nBecause Experian failed to complete the investigation on time, the continued reporting of the disputed item is unlawful under FCRA, and the item must be deleted.\n\nFailure to Conduct a Meaningful Investigation Experians response does not indicate any substantive verification of the disputed information.\n\nThey failed to provide proof that they obtained verification from the furnisher beyond a generic statement that the information was \" updated. '' Under 15 U.S.C. 1666a and 1666b, I request verification that the required billing statements were mailed on time before reporting delinquencies.\n\nFailure to Correct the Harm Caused by Their Violation Experians failure to act within the legal timeframe has negatively impacted my credit score, limiting my access to fair credit.\n\nBecause their delay directly harmed my financial standing, they must delete the disputed account entirely from my credit report.\n\nGeneric Response That Fails to Address the Complaint Experian 's response is vague, non-specific, and fails to acknowledge their FCRA violation.\n\nThey suggest that I submit additional documentation, which shifts the burden to me rather than ensuring their own compliance.\n\nExperian did not explain why the dispute exceeded 30 days, nor did they provide any justification under which an extension would be legally allowed.\n\nRequested Resolution : Immediate Deletion of the Disputed Item from My Credit Report Due to Experians failure to comply with FCRA 1681i ( a ) ( 1 ), the continued presence of the item is unlawful, and it must be immediately deleted.\n\nFormal Investigation into Experians Compliance Practices The CFPB should review Experians handling of disputes to determine if they are systematically failing to meet FCRA-mandated deadlines.\n\nRegulatory Action Against Experian for FCRA Non-Compliance Given that this case mirrors allegations in CFPB v. Experian Information Solutions , Inc. ( Case No. 8:25-cv-24 ), I request that the CFPB take enforcement action to hold Experian accountable for violating consumer rights.\n\nI urge the CFPB to take immediate action and ensure Experian is held responsible for violating FCRA standards. Thank you for your time and attention. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-05T23:07:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92503","tags":null,"has_narrative":true,"complaint_id":"12322643","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-05T23:04:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["<em>Experians</em> Failure to Resolve <em>Dispute</em> and Violation of <em>FCRA</em> Timeframe <em>Dear</em> CFPB, I am escalating this complaint due to <em>Experians</em> continued failure to comply with <em>FCRA</em> 1681i ( a ) ( 1 ), which requires credit bureaus to complete investigations within 30 days. My original complaint ( <em>XXXX</em> <em>XXXX</em>. <em>XXXX</em>, filed XX/XX/year> ) was not responded to until XX/XX/year>, exceeding the 30-day deadline by 31 days."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.353241,"12322643"]},{"_index":"complaint-public-v1","_id":"11673543","_score":20.010376,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian for Noncompliance with the Fair Credit Reporting Act Dear Recipient, I am submitting this formal complaint regarding Experian 's failure to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. \n\nThe Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic failures, including failing to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and failing to provide adequate notification of dispute outcomes to consumers. These practices are consistent with my personal experience, where Experian has not corrected or removed disputed items on my credit report despite the evidence I provided. \n\nExperian 's inaction has caused ongoing harm to my credit standing and constitutes a violation of federal law and my rights as a consumer under the FCRA. I am formally requesting immediate corrective action to remove or amend the disputed accounts to ensure compliance with legal standards. \n\nThank you for your attention to this matter. I look forward to your prompt response and resolution. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-17T07:46:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"79934","tags":"Servicemember","has_narrative":true,"complaint_id":"11673543","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-17T07:13:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Experian</em> 's inaction has caused ongoing harm to my credit standing and constitutes a violation of federal law and my rights as a consumer under the <em>FCRA</em>. I am formally requesting immediate corrective action to remove or amend the <em>disputed</em> accounts to ensure <em>compliance</em> with legal standards. \n\nThank you for your attention to this matter. I look forward to your prompt response and <em>resolution</em>. \n\nSincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.010376,"11673543"]},{"_index":"complaint-public-v1","_id":"11503507","_score":20.005959,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone Number : XXXX Date : XX/XX/year> *Experian* XXXX XXXX XXXX XXXX XXXX XXXX *Re : Formal Dispute of Inaccurate Information Experian Report Number : # XXXX for XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information that remains on my *Experian credit report*. Despite having submitted previous disputes regarding these same errors, the inaccuracies persist, and I am concerned that my rights under the *Fair Credit Reporting Act ( FCRA ) * are not being upheld.\n\nI am specifically concerned with the following discrepancies on my report : Bankruptcy XXXX XXXXXXXX Date Filed : XXXX Reference # XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Amount : {$0.00} These items have been disputed multiple times, and I have yet to see a satisfactory resolution. As per the *Consumer Financial Protection Bureau ( CFPB ) * lawsuit against *Experian*, which highlighted the company 's failure to properly investigate and resolve consumer disputes, I am requesting that Experian : 1. *Conduct a full and thorough investigation* of the disputed information as required by the FCRA.\n\n2. Provide *clear evidence* of the investigation and resolution process for each disputed item.\n\n3. Remove any information that is found to be inaccurate or unverifiable.\n\n4. Ensure that all future disputes are handled in compliance with the law and within the timelines required by the FCRA. \n\nIn accordance with the FCRA, I am requesting that you investigate these items and provide me with the results of your investigation, including any documentation, proof of verifications, and the outcome. If you are unable to verify the accuracy of this information, I request that you promptly remove it from my credit report. \n\nXXXX XXXX XXXX","date_sent_to_company":"2025-01-13T18:34:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"10473","tags":null,"has_narrative":true,"complaint_id":"11503507","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T18:18:22.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Public record information inaccurate"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, NY <em>XXXX</em> Email : <em>XXXX</em> Phone Number : <em>XXXX</em> Date : XX/XX/year> *<em>Experian</em>* <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> *Re : Formal <em>Dispute</em> of Inaccurate Information <em>Experian</em> Report Number : # <em>XXXX</em> for <em>XXXX</em> <em>XXXX</em> <em>Dear</em> Sir/Madam, I am writing to formally <em>dispute</em> the inaccurate information that remains on my *<em>Experian</em> credit report*."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.005959,"11503507"]},{"_index":"complaint-public-v1","_id":"8300520","_score":19.90915,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to express my profound dissatisfaction and concern regarding Experian 's handling of my recent credit report dispute, submitted on XX/XX/XXXX ( XXXX ) and a prior letter on XX/XX/XXXX. Despite the clear mandates of the Fair Credit Reporting Act ( FCRA ) - specifically sections 15 U.S. Code 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ) - which require prompt investigation and response to disputes, my experience has been marred by delays and a lack of substantive communication. Experian also has not respond to CFPB # XXXX. \n\nFollowing my dispute submission, I received what can only be described as a 2nd stall letter from Experian. This correspondence lacked any meaningful update on the status of my dispute, directly contravening the FCRA 's stipulation for a timely investigation process. It has come to my attention through a CFPB report that Experian may be employing automated systems to issue such non-responsive letters, presumably to divert consumers towards online dispute resolution methods. This practice, while technologically modern, does not absolve Experian of its legal obligations to consumers like myself. Reference to the report can be found here : CFPB Report on Credit Reporting Agencies. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-issues-report-on-transunion-experian-a nd-equifax/ The FCRA mandates a 30-day window for credit reporting agencies to investigate disputes and provide a response. The lack of compliance not only hinders my financial well-being but also raises questions about the efficacy and integrity of Experian 's dispute resolution process. I urgently request that Experian be directed to : Remove those accounts or immediately proceed with a thorough investigation of my dispute. \nProvide a detailed progress report on the investigation without undue delay. \nClarify the procedures employed to ensure the accuracy and completeness of credit report information, as per my rights under the FCRA. \n\nI draw your attention to precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, where courts have ruled against credit bureaus for failing to fulfill their investigative obligations under the FCRA. These cases underscore the potential legal ramifications of neglecting consumer disputes. \n\nIn light of these concerns, I demand that Experian adhere to the FCRA 's requirements by removing those accounts or not only conducting a proper and timely investigation but also by providing a comprehensive explanation of their investigative procedures within 15 days, as stipulated by the law. \n\nFailure to address these issues promptly will compel me to consider further action to ensure compliance and accountability. I trust that the CFPB will take my concerns seriously and facilitate a resolution that respects my rights and the legal obligations of Experian. \n\nThank you for your attention to this matter. I look forward to your swift response and intervention.","date_sent_to_company":"2024-02-07T21:36:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27406","tags":null,"has_narrative":true,"complaint_id":"8300520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-07T21:21:11.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection Bureau, I am writing to express my profound dissatisfaction and concern regarding <em>Experian</em> 's handling of my recent credit report <em>dispute</em>, submitted on XX/XX/<em>XXXX</em> ( <em>XXXX</em> ) and a prior letter on XX/XX/<em>XXXX</em>. Despite the clear mandates of the Fair Credit Reporting Act ( <em>FCRA</em> ) - specifically sections 15 U.S."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.90915,"8300520"]},{"_index":"complaint-public-v1","_id":"12731632","_score":19.82436,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian for FCRA Violations, XXXX XXXX Non-Compliance & Refusal to Correct Inaccurate Accounts Dear CFPB, I am filing this complaint against Experian ( and affiliated data furnishers ) for willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and failure to conduct a lawful reinvestigation of disputed accounts, as follows : XXXX. Violations Summary FCRA 611 ( a ) ( 1 ) ( A ) : Experian ignored my disputes ( sent [ Date ] and [ Date ] ) and failed to correct inaccuracies within XXXX days. \nFCRA 623 ( b ) : Furnishers ( XXXX XXXX, XXXX XXXX XXXX, etc. ) provided no proof of account validity or XXXX XXXX compliance. \nXXXX XXXX XXXX : Accounts lack required fields ( e.g., Date of First Delinquency, correct status codes ). \nFTC Opinion Letter ( 2018 ) : Medical collections ( Ability Recovery ) were reported without proper validation. \nXXXX. Accounts Demanding Immediate Deletion Creditor Account # Violations XXXX XXXX XXXX Misreported charge-off ; no signed contract or payment history. \nXXXX  XXXX XXXX Medical debt with no validation ; XXXX XXXX fields missing. \nXXXX XXXX XXXX. XXXX No original creditor docs ; incomplete payment data. \nXXXX. CFPB Action Requested Order Experian to delete all disputed accounts due to non-compliance. \nPenalize Experian for willful negligence under FCRA 616 ( $ XXXX per violation ). \nAudit furnishers ( XXXX XXXX, XXXX XXXX ) for systemic XXXX XXXX violations. \nXXXX. Evidence Attached Copies of dispute letters ( XXXXXXXX XXXX XXXX XXXX ). \nHighlighted credit report showing errors. \nExperians inadequate response ( if any ). \nI demand resolution within XXXX days per CFPB guidelines. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-30T20:07:10.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"28504","tags":null,"has_narrative":true,"complaint_id":"12731632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-30T19:55:27.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint Against <em>Experian</em> for <em>FCRA</em> Violations, <em>XXXX</em> <em>XXXX</em> Non-<em>Compliance</em> & Refusal to Correct Inaccurate Accounts <em>Dear</em> CFPB, I am filing this complaint against <em>Experian</em> ( and affiliated data furnishers ) for willful violations of the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>XXXX</em> <em>XXXX</em> reporting standards, and failure to conduct a lawful reinvestigation of <em>disputed</em> accounts, as follows : <em>XXXX</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.82436,"12731632"]},{"_index":"complaint-public-v1","_id":"11878979","_score":19.73815,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Here is a copy of the issue, outlined in a letter provided to Experian as with the initial complaint, Experian chose to reopen the dispute after the legally designated time from, neglecting to provide the method of investigation and sources investigated as requested in the initial complaint and required by law. \n\nSubject : Unauthorized Dispute Investigation & Non-Compliance with FCRA Dear XXXX XXXX, XXXX XXXX, XXXX XXXX, Experian Dispute Resolution Team ; I am writing to formally address Experians unauthorized reopening of a dispute that was already finalized on XX/XX/year>. Your own prior correspondence confirms this closure, yet you have now taken the liberty to reinitiate an investigation without my authorization and beyond the legally mandated timeframe under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ).\n\nViolation of Investigation Timeframe & Due Process The FCRA mandates that disputes be resolved within 30 days ( or 45 days if supporting documentation is requested from the consumer ). \n\nIn this case, you did not request any supporting documentation from me, and the dispute was closed on XX/XX/XXXX, XXXX beyond the permissible period for Experian to reinvestigate.\n\nYour unauthorized actions constitute non-compliance with FCRA regulations and infringe upon my rights as a consumer.\n\nImmediate Actions Required 1. Cease & Close Unauthorized Investigation This dispute was not initiated or authorized by me, and your continued investigation is improper and unlawful.\n\n2. Permanently Remove Disputed Items The disputed items included in my CFPB complaint must be permanently removed, as XXXX failure to investigate properly within the legal time frame invalidates the prior reporting.\n\n3. Provide Required Investigation Details My CFPB complaint specifically requested XXXX method of investigation, sources used, and validation of compliance. You previously refused to provide this legally required information. Reopening the dispute post-closure in an attempt to rectify past failures is both a bad faith practice and a direct violation of consumer protection laws.\n\nLegal and Regulatory Compliance Failure Experians unauthorized actions reflect a failure to uphold the integrity of the credit reporting process and demonstrate a clear attempt to circumvent accountability. Further, any attempt to retroactively amend or cover investigative deficiencies beyond the lawful timeframe will be construed as willful noncompliance.\n\nThis documented record substantiates a settlement demand for damages, as Experian continues to engage in unfair and deceptive practices that violate the FCRA, the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ), and due process rights afforded to consumers.\n\nPlease provide written confirmation that : 1. The unauthorized investigation has been immediately closed.\n\n2. The disputed items have been permanently removed in accordance with FCRA compliance. \n\n\nXXXX. A formal record of XXXX compliance failures will be documented and corrected per procedural standards.\n\nFailure to address this matter properly may result in additional regulatory complaints and legal action. Please confirm compliance with the above requests at your earliest convenience. \n\nSincerely, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-31T07:11:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"618XX","tags":null,"has_narrative":true,"complaint_id":"11878979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T06:55:15.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Subject : Unauthorized <em>Dispute</em> Investigation & Non-<em>Compliance</em> with <em>FCRA</em> <em>Dear</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em>, <em>Experian</em> <em>Dispute</em> <em>Resolution</em> Team ; I am writing to formally address <em>Experians</em> unauthorized reopening of a <em>dispute</em> that was already finalized on XX/XX/year>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.73815,"11878979"]},{"_index":"complaint-public-v1","_id":"8401488","_score":19.639555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Regarding Experian 's Failure to Comply with FCRA and Metro 2 Guidelines Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Experian concerning their handling of the dispute resolution process for my credit report. Despite repeated attempts to rectify inaccuracies within my credit history, Experian has displayed a flagrant disregard for the provisions outlined in the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. The blatant disregard for consumer rights and the lack of accountability exhibited by Experian has left me deeply frustrated and disillusioned with their services. \n\nOn XXXX, XXXX, XXXX and XXXX I submitted three separate disputes concerning the following accounts detailed in my credit report : * XXXXXXXX XXXX XXXXXXXX Account # XXXX ( see attached image as well below ) * XXXX XXXX  Account # XXXX attached image as well below ) * XXXX XXXX Account # XXXX attached image as well below ) These disputes were filed under Report # XXXX and XXXX XXXX XXXX. Despite acknowledging receipt of my disputes, Experian failed to adhere to fundamental principles outlined in the FCRA and Metro 2 guidelines, including : * Failure to Provide Method of Investigation : Despite my persistent requests, Experian neglected to furnish me with details regarding the methodology employed during their investigation process. As a consumer vested with rights under Section 611 of the FCRA, this absence of transparency is both disconcerting and unacceptable. \n* Failure to Provide Supporting Documentation : On numerous occasions, I implored Experian to furnish me with supporting documentation substantiating the accuracy of the disputed information. The denial of access to such vital documentation represents a grave violation of Section 611 of the FCRA, thereby undermining the integrity of the dispute resolution process. \n* Misrepresentation of Investigation Results : Experian proceeded to append updates to my credit report that flagrantly diverged from the information I had explicitly contested. This gross misrepresentation underscores Experian 's failure to conduct comprehensive and accurate investigations, thereby exacerbating the severity of their transgressions. \n* Lack of Compliance with Metro 2 Guidelines : Experian 's persistent failure to uphold the principles of accurate and timely reporting, as mandated by Metro 2 guidelines, only serves to compound the gravity of their infractions. \n\nIn light of Experian 's repeated breaches of regulatory obligations and their apparent indifference towards consumer welfare, I demand the following actions : Expected Outcome : I expect Experian to promptly undertake the following corrective measures : * The immediate removal of the aforementioned disputed accounts from my credit report, owing to their inherent inaccuracies and Experian 's failure to provide requisite documentation. \n* The provision of a comprehensive written explanation delineating the methodological framework employed during the investigation of each dispute. \n* The furnishing of all pertinent supporting documentation utilized during the investigation of each dispute. \n* The implementation of robust measures to ensure steadfast compliance with FCRA and Metro 2 guidelines in all future dispute resolutions. \n\nI trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, thereby affording me the redress and restitution to which I am entitled as a consumer. I eagerly await your prompt intervention and the restoration of integrity within the credit reporting framework. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-02-22T21:50:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94102","tags":"Servicemember","has_narrative":true,"complaint_id":"8401488","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-22T21:45:47.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Formal Complaint Regarding <em>Experian</em> 's Failure to Comply with <em>FCRA</em> and Metro 2 Guidelines <em>Dear</em> Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against <em>Experian</em> concerning their handling of the <em>dispute</em> <em>resolution</em> process for my credit report. Despite repeated attempts to rectify inaccuracies within my credit history, <em>Experian</em> has displayed a flagrant disregard for the provisions outlined in the Fair Credit Reporting Act ( <em>FCRA</em> ) and Metro 2 guidelines."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.639555,"8401488"]},{"_index":"complaint-public-v1","_id":"11591759","_score":19.635118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Regarding Incorrect Reporting and Failure to Respond by Experian Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Experian, a consumer credit reporting agency, in relation to their failure to comply with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX Specifically, Experian has engaged in the inaccurate reporting of information on my credit report, and despite multiple attempts to resolve the matter, they have failed to respond or provide a satisfactory solution. \n\nNature of the Issue : Inaccurate Reporting Experian has inaccurately reported certain items on my credit report, including [ briefly describe the incorrect information ]. These inaccuracies are materially misleading and do not reflect the true nature of my financial history. I have made several attempts to notify Experian of these discrepancies and dispute the errors in accordance with the FCRA, but no corrective action has been taken. \n\nFailure to Investigate Discrepancies Under Section XXXX of the FCRA, I am entitled to a reasonable reinvestigation of disputed information on my credit report. However, despite submitting formal disputes and providing supporting documentation, Experian has failed to conduct a reasonable investigation or resolve the discrepancies within the statutory 30-day period. This failure to comply with the investigatory requirements of the FCRA constitutes a violation of my consumer rights. \n\nFailure to Provide Adequate Response Despite my repeated attempts to contact Experian, I have not received any meaningful or timely responses regarding the resolution of these issues. The lack of communication and failure to provide a substantive response violates the requirement for credit reporting agencies to provide prompt and adequate resolutions to consumer complaints. \n\nImpact : As a direct result of Experians failure to accurately report my credit information, I have suffered significant harm, including potential damage to my credit score and inability to secure credit on favorable terms. These inaccuracies and the lack of resolution have caused me emotional distress and financial inconvenience. \n\nRequested Relief : In accordance with the FCRA, I request that the Consumer Financial Protection Bureau investigate Experians failure to correct inaccurate reporting and their failure to provide a timely response to my disputes. I also request that appropriate corrective action be taken, including the immediate removal or correction of the inaccurate information and a full review of Experians compliance with the FCRA. \n\nI appreciate your assistance in this matter and respectfully request that you take prompt action to ensure that Experian complies with federal consumer protection laws and remedies the harm caused by their actions. \n\nThank you for your attention to this matter.","date_sent_to_company":"2025-01-20T16:43:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33319","tags":null,"has_narrative":true,"complaint_id":"11591759","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-20T15:31:13.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Formal Complaint Regarding Incorrect Reporting and Failure to Respond by <em>Experian</em> <em>Dear</em> Consumer Financial Protection Bureau, I am submitting a formal complaint against <em>Experian</em>, a consumer credit reporting agency, in relation to their failure to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ), <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> Specifically, <em>Experian</em> has engaged in the inaccurate reporting of information on my credit report, and despite multiple attempts to resolve the matter, they have failed to respond"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.635118,"11591759"]},{"_index":"complaint-public-v1","_id":"12426383","_score":19.563164,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of inaccurate late payment records on my credit report. Despite my repeated attempts to dispute these inaccuracies directly with Experian, they have failed to investigate and correct the errors, thereby violating their legal obligations under FCRA. \n\nThe inaccurate late payment records in question are as follows : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681o, credit reporting agencies may be held liable for damages caused by their negligence in failing to comply with FCRA requirements. Experian has failed to conduct a reasonable investigation, failed to ensure the accuracy of the information reported, and failed to remove unverifiable information despite my formal disputes. This non-compliance has resulted in financial harm, including damage to my credit score and potential denials for credit opportunities. \n\nI am requesting that the CFPB intervene and hold Experian accountable for its failure to comply with federal law. Specifically, I request the following actions : 1. A full investigation into Experians non-compliance with the FCRA.\n\n2. Removal of the inaccurate late payments if Experian can not provide proper verification.\n\n3. Enforcement of penalties against Experian for failing to uphold its legal obligations. \n\nI kindly ask for an expedited resolution to this matter, as Experians negligence is actively harming my financial standing. \n\nPlease confirm receipt of this complaint and inform me of the next steps in the investigation process. I appreciate the CFPBs commitment to protecting consumer rights and look forward to your prompt response.","date_sent_to_company":"2025-03-11T16:25:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"37072","tags":null,"has_narrative":true,"complaint_id":"12426383","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-11T16:03:09.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection Bureau, I am submitting this formal complaint against <em>Experian</em> for its failure to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically regarding the reporting of inaccurate late payment records on my credit report. Despite my repeated attempts to <em>dispute</em> these inaccuracies directly with <em>Experian</em>, they have failed to investigate and correct the errors, thereby violating their legal obligations under <em>FCRA</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.563164,"12426383"]},{"_index":"complaint-public-v1","_id":"12344165","_score":19.498188,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Pa XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ EXPERIAN CREDIT REPORT ] [ Dispute Department ] [ EXPERIAN CREDIT REPORT ] [ XXXX XXXX XXXX, XXXX, TX XXXX ] Subject : Dispute of [ Error with disputed ] Under FCRA Section 1681o - Civil Liability for Negligence and Non-Compliance Dear [ CFPB ], I hope this letter finds you well. I am writing to formally dispute [ describe the specific issue or the information that is being disputed, e.g., inaccurate credit reporting, failure to investigate a dispute, etc. ] under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which holds parties accountable for negligence and non-compliance in the handling of consumer information.\n\nI believe that [ EXPERIAN ] has failed to fulfill its responsibilities under the FCRA by [ briefly describe the non-compliance or negligent actions you are disputing ]. As a result, I am requesting immediate action on your part to rectify this matter and resolve the dispute in accordance with applicable law.\n\nIn accordance with FCRA Section 1681o, I hereby notify you that : Negligence : [ The company has failed to removed disputed accounts off of my account. Accounts that were added without my knowledge according to the FCRA. ] Non-Compliance : [ I have taking many measure to dispute all of the above accounts through EXPERIAN. I have contacted them and they have failed to take these accounts off without investigating properly according to the FCRA. ] Request for Resolution : I request that [ EXPERIAN ] take prompt corrective action, including but not limited to [ specific actions you seek, such as correcting inaccurate information, conducting a proper investigation, etc. ].\n\nPlease note that under FCRA Section 1681o, I am entitled to seek civil damages for any harm caused by your negligence and failure to comply with the FCRA. Therefore, I expect a written response within [ insert a reasonable time frame, such as 30 days ] confirming your corrective actions or detailing the status of this dispute. \nIf this matter is not resolved satisfactorily, I reserve the right to take further legal action, including pursuing claims for civil liability as allowed under Section 1681o of the FCRA.\n\nI trust that this matter will be addressed with the urgency and seriousness it requires. \nThank you for your prompt attention to this issue. Please contact me at [ phone number ] or via email at [ email address ] to confirm receipt of this dispute. \nSincerely, [ XXXX XXXX","date_sent_to_company":"2025-03-07T03:22:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"189XX","tags":null,"has_narrative":true,"complaint_id":"12344165","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-07T02:48:30.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["[ <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ] [ <em>XXXX</em>, Pa <em>XXXX</em> ] [ <em>XXXX</em> ] [ <em>XXXX</em> ] [ XX/XX/year> ] [ <em>EXPERIAN</em> CREDIT REPORT ] [ <em>Dispute</em> Department ] [ <em>EXPERIAN</em> CREDIT REPORT ] [ <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em>, TX <em>XXXX</em> ] Subject : <em>Dispute</em> of [ Error with <em>disputed</em> ] Under <em>FCRA</em> Section 1681o - Civil Liability for Negligence and Non-<em>Compliance</em> <em>Dear</em> [ CFPB ], I hope this letter finds you well."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.498188,"12344165"]},{"_index":"complaint-public-v1","_id":"11867610","_score":19.442778,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am submitting this formal complaint regarding my ongoing dispute with Experian, referenced under case number XXXX. Experian has failed to conduct a proper investigation into my dispute and has engaged in delay tactics rather than addressing the issues raised. \n\nKey Issues with Experians Handling of My Dispute : Failure to Conduct a Meaningful Investigation : Experian has not properly investigated the disputed information on my credit report, despite receiving supporting documentation. \nDeflecting Consumer Complaints : Instead of directly addressing my complaint, Experian directed me to generic resources like their dispute center, rather than providing a substantive response. \nUnnecessary Requests for Repetitive Submissions : Experian has asked me to resubmit documents through their internal portal, even though I have already provided them via the CFPBs complaint system. \nUnjustified Delays : Experian has failed to provide a clear resolution timeline, keeping my dispute unresolved and negatively impacting my credit profile. \nParallels to CFPBs Recent Enforcement Action Against XXXX On XX/XX/year>, the CFPB ordered XXXX to pay a {$15.00} million penalty for failing to properly investigate consumer disputes and for reinserting previously deleted inaccuracies in consumer credit reports. The CFPB found that XXXX : Ignored consumer documents submitted with disputes. \nFailed to meaningfully investigate inaccurate credit reporting. \nAllowed previously removed errors to be reinserted into consumer credit files. \nProvided misleading or contradictory responses to consumers regarding dispute resolutions. \nExperian appears to be engaging in similar misconduct by failing to address my dispute appropriately and delaying resolution without justification. Given the CFPBs recent enforcement action against XXXX, I urge the Bureau to investigate Experians handling of my case and hold them accountable for non-compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ).","date_sent_to_company":"2025-02-01T02:48:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"43230","tags":null,"has_narrative":true,"complaint_id":"11867610","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-01T02:41:36.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Provided misleading or contradictory responses to consumers regarding <em>dispute</em> <em>resolutions</em>. \n<em>Experian</em> appears to be engaging in similar misconduct by failing to address my <em>dispute</em> appropriately and delaying <em>resolution</em> without justification. Given the CFPBs recent enforcement action against <em>XXXX</em>, I urge the Bureau to investigate <em>Experians</em> handling of my case and hold them accountable for non-<em>compliance</em> with the Fair Credit Reporting Act ( <em>FCRA</em> ) and Consumer Financial Protection Act ( CFPA )."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.442778,"11867610"]},{"_index":"complaint-public-v1","_id":"11898928","_score":19.421461,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Feedback on Experian 's Response to Complaint # XXXX Dear CFPB and Experian, I appreciate Experians response to my complaint regarding unauthorized inquiries on my credit report. However, I find the resolution unsatisfactory for the following reasons : 1. Failure to Provide Proof of Authorization : I specifically requested documentation or contracts showing that I authorized the listed entities to access my credit report. Experians response does not address this request, nor does it provide any evidence supporting the claim that these inquiries were made with a permissible purpose.\n\n2. Obligations Under the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, credit reporting agencies are required to investigate disputes and ensure the accuracy of information reported. Simply stating that the inquiries remain because they were made by entities with a permissible purpose is insufficient without proof of authorization.\n\n3. Impact on Credit Score : Hard inquiries negatively affect my credit score, and having unauthorized inquiries on my report continues to harm my financial standing. Removing these inquiries is critical to ensuring the accuracy and fairness of my credit report. \n\n\n\nI kindly request Experian to provide specific evidencesuch as signed agreements or recordsshowing that I explicitly authorized the listed inquiries. If no such evidence exists, I respectfully ask for the immediate removal of these inquiries from my credit report to ensure compliance with the FCRA. \n\nThank you for your attention to this matter. I look forward to a prompt and thorough resolution. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX","date_sent_to_company":"2025-02-02T07:50:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"937XX","tags":null,"has_narrative":true,"complaint_id":"11898928","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-02T07:38:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I kindly request <em>Experian</em> to provide specific evidencesuch as signed agreements or recordsshowing that I explicitly authorized the listed inquiries. If no such evidence exists, I respectfully ask for the immediate removal of these inquiries from my credit report to ensure <em>compliance</em> with the <em>FCRA</em>. \n\nThank you for your attention to this matter. I look forward to a prompt and thorough <em>resolution</em>. \n\nSincerely, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, CA <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.421461,"11898928"]},{"_index":"complaint-public-v1","_id":"11986887","_score":19.305803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Immediate Action Required Request for Deletion of Accounts Due to Non-Compliance with FCRA Dear Sir/Madam, I am writing to file a formal complaint regarding Experian 's failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the investigation and verification of several accounts listed on my credit report. Despite disputing the accuracy of these accounts, Experian has failed to provide the necessary documentation or evidence to show that a proper investigation was conducted. This non-compliance constitutes a violation of the FCRA, and I am requesting immediate action to resolve this issue by having the following accounts removed from my credit report.\n\nI am fully aware of my rights under the FCRA, including the requirement for credit reporting agencies to conduct reasonable investigations and provide verification of disputed information. Experian has not provided any details of the investigation process, nor have they shared evidence that these accounts were accurately verified. Therefore, I demand that the following accounts be deleted from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Late Payments XXXX  XXXX Account Number : XXXX Issue : Charge-Off XXXX Account Number : XXXX Issue : Charge-Off XXXX XXXX  Account Number : XXXX Issue : Charge-Off XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : Charge-Off XXXX XXXX Account Number : XXXX Issue : Charge-Off XXXX XXXX Account Number : XXXX Issue : Charge-Off The failure to properly investigate these accounts and the absence of supporting verification violates the FCRA, specifically Section 1681o, which holds credit reporting agencies accountable for negligent XXXX. I am requesting that the CFPB take immediate action to ensure that these accounts are deleted from my credit report. I believe this is the fair and appropriate resolution, as Experian has not met the statutory requirements for verification under the FCRA. \n\nI trust the CFPB will intervene swiftly to protect my rights and ensure that Experian is held accountable for its failure to comply with the law. \n\nThank you for your attention to this matter. I look forward to your immediate response and the resolution of this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-07T14:55:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33463","tags":null,"has_narrative":true,"complaint_id":"11986887","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-07T14:48:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Immediate Action Required Request for Deletion of Accounts Due to Non-<em>Compliance</em> with <em>FCRA</em> <em>Dear</em> Sir/Madam, I am writing to file a formal complaint regarding <em>Experian</em> 's failure to comply with the Fair Credit Reporting Act ( <em>FCRA</em> ) in relation to the investigation and verification of several accounts listed on my credit report."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.305803,"11986887"]},{"_index":"complaint-public-v1","_id":"8136001","_score":19.083313,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am urgently filing this complaint against Experian and XXXX regarding the unauthorized sale of the XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX, and the subsequent inaccuracies and challenges Ive faced in disputing this unauthorized transaction. \n\nUnauthorized Sale of XXXX XXXX XXXX Account : I recently discovered that the XXXX XXXX XXXX account was sold to XXXX XXXX XXXX XXXX XXXX without any proper notification. This unauthorized sale has significantly impacted my ability to address and dispute the accounts details accurately. \n\nContinuous Updating of Inaccurate Information : In addition to the unauthorized sale, there has been continuous updating of inaccurate information related to the XXXX XXXX XXXX account on my credit reports. Specifically : The reported last payment was inaccurately stated as XX/XX/XXXX, to XX/XX/XXXX, which is factually incorrect. \nThe account status continues to be updated as a charge-off every month, which is inconsistent with the actual account status. \n\nDispute Handling Challenges : Despite repeated attempts to dispute these inaccuracies through Experian and XXXX dispute processes, I have faced significant challenges. The disputes have not resulted in the necessary corrections, and the inaccuracies persist, adversely impacting my credit profile. \n\nFair Credit Reporting Act ( FCRA ) Violations : I assert that the unauthorized sale of the XXXX XXXX XXXX account and the continuous updating of false information constitute a violation of the Fair Credit Reporting Act ( FCRA ). These actions have created unnecessary hurdles in my attempts to address and dispute the inaccuracies. \n\nImmediate Deletion Request : I urgently request the immediate deletion of the inaccuracies related to the XXXX XXXX XXXX account from my credit reports by Experian and XXXX. The unauthorized sale and continuous updating of false information are causing severe distress and adversely affecting my creditworthiness. Immediate deletion is imperative given the severity of the situation. \n\nTransparent Dispute Resolution : I urge the CFPB to ensure a transparent and effective dispute resolution process that guarantees accurate reporting and immediate corrections. \n\nCompliance with FCRA : I request the CFPB to investigate and ensure that Experian and XXXX comply with the provisions outlined in the Fair Credit Reporting Act. \n\nThe unauthorized sale of the XXXX XXXX XXXX account and the challenges in disputing this information are causing significant distress and negatively impacting my financial well-being. I seek a prompt and comprehensive resolution, including the immediate deletion of the inaccuracies. \n\nI appreciate the CFPBs urgent attention to this matter and anticipate a thorough investigation and resolution in accordance with regulatory requirements.","date_sent_to_company":"2024-01-09T15:01:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"94578","tags":null,"has_narrative":true,"complaint_id":"8136001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-09T15:01:46.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Transparent <em>Dispute</em> <em>Resolution</em> : I urge the CFPB to ensure a transparent and effective <em>dispute</em> <em>resolution</em> process that guarantees accurate reporting and immediate corrections. \n\n<em>Compliance</em> with <em>FCRA</em> : I request the CFPB to investigate and ensure that <em>Experian</em> and <em>XXXX</em> comply with the provisions outlined in the Fair Credit Reporting Act."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.083313,"8136001"]},{"_index":"complaint-public-v1","_id":"12096588","_score":19.063309,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Sham Investigations and Reinserted Inaccurate Information Dear Sir/Madam, I am writing to formally dispute the handling of my credit report by Experian, following the recent allegations filed by the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX According to the CFPB 's lawsuit, Experian has been involved in conducting \" sham investigations '' when consumers disputed errors on their credit reports, which contradicts the reasonable investigation standards outlined by the Fair Credit Reporting Act ( FCRA ). \n\nI am deeply concerned that my own credit report may have been mishandled in a similar manner, and that inaccurate information may have been either reinserted or left unaddressed as a result of inadequate investigations.\n\nIn light of this, I am requesting that Experian : Reinvestigate all inaccuracies on my credit report with the appropriate due diligence required under the FCRA. Any outdated or incorrect information must be corrected in accordance with the law.\n\nProvide a full, written explanation of the results of any past investigations into disputes I have filed, including details of the methods used in verifying the accuracy of the reported information.\n\nRemove any inaccurate or incomplete information that may have been wrongfully reinserted after being successfully disputed in previous investigations. \nI trust Experian will handle my dispute in full compliance with the Fair Credit Reporting Act and will ensure that any errors are resolved swiftly and accurately. Please confirm receipt of this letter and provide me with a detailed response outlining the steps taken to investigate and correct any issues related to my credit report. \n\nThank you for your attention to this matter. I expect a prompt resolution, and I look forward to your response within the timeframes prescribed by the FCRA. \n\nSincerely, XXXX XXXX XX/XX/XXXX Last XXXX SS # XXXX [ Your Experian Report Reference Number # XXXX","date_sent_to_company":"2025-02-24T19:19:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53218","tags":null,"has_narrative":true,"complaint_id":"12096588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-17T00:32:20.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> <em>Experian</em> Consumer <em>Dispute</em> <em>Resolution</em> Department <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, TX <em>XXXX</em> Subject : Formal <em>Dispute</em> Regarding Sham Investigations and Reinserted Inaccurate Information <em>Dear</em> Sir/Madam, I am writing to formally <em>dispute</em> the handling of my credit report by <em>Experian</em>, following the recent allegations filed by the Consumer Financial Protection Bureau <em>XXXX</em> CFPB <em>XXXX</em> <em>XXXX</em> According to the CFPB 's lawsuit, <em>Experian</em> has been involved in conducting"]},"sort":[19.063309,"12096588"]},{"_index":"complaint-public-v1","_id":"12096589","_score":19.063269,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Sham Investigations and Reinserted Inaccurate Information Dear Sir/Madam, I am writing to formally dispute the handling of my credit report by Experian, following the recent allegations filed by the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX According to the CFPB 's lawsuit, Experian has been involved in conducting \" sham investigations '' when consumers disputed errors on their credit reports, which contradicts the reasonable investigation standards outlined by the Fair Credit Reporting Act ( FCRA ). \n\nI am deeply concerned that my own credit report may have been mishandled in a similar manner, and that inaccurate information may have been either reinserted or left unaddressed as a result of inadequate investigations.\n\nIn light of this, I am requesting that Experian : Reinvestigate all inaccuracies on my credit report with the appropriate due diligence required under the FCRA. Any outdated or incorrect information must be corrected in accordance with the law.\n\nProvide a full, written explanation of the results of any past investigations into disputes I have filed, including details of the methods used in verifying the accuracy of the reported information.\n\nRemove any inaccurate or incomplete information that may have been wrongfully reinserted after being successfully disputed in previous investigations. \nI trust Experian will handle my dispute in full compliance with the Fair Credit Reporting Act and will ensure that any errors are resolved swiftly and accurately. Please confirm receipt of this letter and provide me with a detailed response outlining the steps taken to investigate and correct any issues related to my credit report. \n\nThank you for your attention to this matter. I expect a prompt resolution, and I look forward to your response within the timeframes prescribed by the FCRA. \n\nSincerely, XXXX XXXX XX/XX/XXXX Last XXXX SS # XXXX [ Your Experian Report Reference Number # XXXX","date_sent_to_company":"2025-02-24T19:19:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53218","tags":null,"has_narrative":true,"complaint_id":"12096589","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-17T00:32:20.000Z","state":"WI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> <em>Experian</em> Consumer <em>Dispute</em> <em>Resolution</em> Department <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, TX <em>XXXX</em> Subject : Formal <em>Dispute</em> Regarding Sham Investigations and Reinserted Inaccurate Information <em>Dear</em> Sir/Madam, I am writing to formally <em>dispute</em> the handling of my credit report by <em>Experian</em>, following the recent allegations filed by the Consumer Financial Protection Bureau <em>XXXX</em> CFPB <em>XXXX</em> <em>XXXX</em> According to the CFPB 's lawsuit, <em>Experian</em> has been involved in conducting"]},"sort":[19.063269,"12096589"]},{"_index":"complaint-public-v1","_id":"12096643","_score":19.062033,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Sham Investigations and Reinserted Inaccurate Information Dear Sir/Madam, I am writing to formally dispute the handling of my credit report by Experian, following the recent allegations filed by the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX According to the CFPB 's lawsuit, Experian has been involved in conducting \" sham investigations '' when consumers disputed errors on their credit reports, which contradicts the reasonable investigation standards outlined by the Fair Credit Reporting Act ( FCRA ). \n\nI am deeply concerned that my own credit report may have been mishandled in a similar manner, and that inaccurate information may have been either reinserted or left unaddressed as a result of inadequate investigations.\n\nIn light of this, I am requesting that Experian : Reinvestigate all inaccuracies on my credit report with the appropriate due diligence required under the FCRA. Any outdated or incorrect information must be corrected in accordance with the law.\n\nProvide a full, written explanation of the results of any past investigations into disputes I have filed, including details of the methods used in verifying the accuracy of the reported information.\n\nRemove any inaccurate or incomplete information that may have been wrongfully reinserted after being successfully disputed in previous investigations. \nI trust Experian will handle my dispute in full compliance with the Fair Credit Reporting Act and will ensure that any errors are resolved swiftly and accurately. Please confirm receipt of this letter and provide me with a detailed response outlining the steps taken to investigate and correct any issues related to my credit report. \n\nThank you for your attention to this matter. I expect a prompt resolution, and I look forward to your response within the timeframes prescribed by the FCRA. \n\nSincerely, XXXX XXXX XX/XX/XXXX Last XXXX SS # XXXX [ Your Experian Report Reference Number # XXXX","date_sent_to_company":"2025-02-24T19:19:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53218","tags":null,"has_narrative":true,"complaint_id":"12096643","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-17T00:09:15.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XX/XX/<em>XXXX</em> <em>Experian</em> Consumer <em>Dispute</em> <em>Resolution</em> Department <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, TX <em>XXXX</em> Subject : Formal <em>Dispute</em> Regarding Sham Investigations and Reinserted Inaccurate Information <em>Dear</em> Sir/Madam, I am writing to formally <em>dispute</em> the handling of my credit report by <em>Experian</em>, following the recent allegations filed by the Consumer Financial Protection Bureau <em>XXXX</em> CFPB <em>XXXX</em> <em>XXXX</em> According to the CFPB 's lawsuit, <em>Experian</em> has been involved in conducting"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.062033,"12096643"]},{"_index":"complaint-public-v1","_id":"11476616","_score":18.93926,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Experian for Non-Compliance with FCRA ( 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ) ) Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681e ( b ), 15 USC 1681s-2 , 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). My experience aligns with the issues highlighted in your recent lawsuit against Experian for sham investigations of credit report errors and systemic non-compliance with FCRA standards. \n\n# # # Background of the Issue : On [ insert date ], I submitted multiple disputes to Experian regarding numerous inaccuracies on my credit report. Despite providing clear evidence, Experian : 1. Failed to conduct a reasonable investigation of my disputes. \n2. Maintained inaccurate information on my credit report in violation of FCRA standards. \n3. Did not properly report my disputes to creditors. \n4. Reinserted or failed to remove erroneous information without notifying me as required by law. \n\nThese actions have directly harmed my creditworthiness, limiting my ability to access credit, housing, and other financial opportunities. \n\n# # # Examples of Inaccurate Accounts : Below are examples of inaccurate accounts that Experian has failed to address appropriately despite multiple disputes : 1. XXXX XXXXXXXX XXXX - Account # : XXXX - Due : {$0.00} - Balance : {$10000.00} 2. XXXX XXXX XXXX - Account # : XXXX - Due : {$0.00} - Balance : {$710.00} 3. XXXX XXXX XXXX XXXX Account # : XXXX - Due : {$440.00} - Balance : {$440.00} These accounts contain numerous inaccuracies, including incorrect balances, statuses, and reporting errors. I demand their immediate removal. \n\n****Reference to Recent CFPB Lawsuit : I am aware of the CFPBs recent legal action against Experian, which revealed the following systemic issues : - Sham investigations of consumer disputes. \n- Failure to properly report and remove credit report errors. \n- Re-insertion of erroneous information without notifying consumers. \n\n****This lawsuit validates my concerns and underscores Experians disregard for consumer rights. \n\nA ) Requested Resolution : I request the CFPB to : 1. Investigate Experians handling of my disputes and ensure compliance with FCRA standards. \n2. Require Experian to provide a detailed explanation of their investigation process for each disputed item. \n3. Mandate the immediate correction or removal of inaccurate information on my credit report. \n4. Impose penalties on Experian for their non-compliance, as appropriate. \n\nB ) Supporting Documentation : I have attached the following documents to support my complaint : - Copies of dispute letters sent to Experian. \n- Responses ( or lack thereof ) from Experian. \n- Evidence of inaccuracies in my credit report. \n- Any additional correspondence regarding this matter. \n\nImpact of Experians Negligence : Experians failure to uphold their legal obligations has caused significant harm to my financial stability, including denial of credit and increased borrowing costs. This negligence has further delayed my ability to achieve financial goals, such as purchasing a home. \n\nThank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. \n\nRespectfully, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-11T20:58:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"89141","tags":null,"has_narrative":true,"complaint_id":"11476616","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-11T20:30:00.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["****This lawsuit validates my concerns and underscores <em>Experians</em> disregard for consumer rights. \n\nA ) Requested <em>Resolution</em> : I request the CFPB to : 1. Investigate <em>Experians</em> handling of my <em>disputes</em> and ensure <em>compliance</em> with <em>FCRA</em> standards. \n2. Require <em>Experian</em> to provide a detailed explanation of their investigation process for each <em>disputed</em> item. \n3. Mandate the immediate correction or removal of inaccurate information on my credit report. \n4."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.93926,"11476616"]},{"_index":"complaint-public-v1","_id":"6835384","_score":18.888376,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Complaint against Experian, XXXX, XXXX, and XXXX  XXXX for non-compliance with the Fair Credit Reporting Act Dear Sir/Madam, I am writing to file a formal complaint against Experian, XXXX, XXXX, and XXXX  XXXX for their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) concerning the investigation and resolution of a disputed late payment on my XXXX  XXXX credit card account. The singular late payment in question is reported for the month of XX/XX/XXXX on Experian and XX/XX/XXXX on XXXX and XXXX. As a result, it has been viewed as two 30-day late payments by creditors that have turned me down for service. As a result of my information being hacked, I had limited access to my account for the month of XXXX and XXXX due to unauthorized access through an internal cyber attack by an XXXX software Engineer \" XXXX XXXX '' that was found guilty in XX/XX/XXXX for the commission of a cyber attack against XXXX  XXXX and other banks utilizing XXXX 's data centers Between XXXX and XXXX of XXXX, I submitted a dispute to all three credit bureaus and XXXX  XXXX regarding the inaccurate late payment, informing them of the cyber attack that affected my account, and that they reflect different dates on each report. Under the FCRA, 15 U.S.C. 1681i ( a ), the credit bureaus are required to complete their investigation and provide a resolution within 30 days of receiving the dispute. However, it has been more than 30 days since I filed the dispute, and none of the credit bureaus have provided me with any information, or a resolution of the matter.\n\nAs per the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), if a credit bureau fails to complete the investigation within the stipulated 30-day period, they are required to promptly delete the disputed information from the consumer 's credit report. In light of their non-compliance with the law, I request the immediate removal of the inaccurate late payment from XXXX XXXX from my credit reports, as it is adversely affecting my credit score and causing me financial harm. \n\nI have already tried to resolve this issue directly with Experian, XXXX, XXXX, and XXXX XXXX but they have not taken the necessary steps to rectify the situation. As such, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that the credit bureaus adhere to the FCRA and remove the inaccurate information from my credit report as soon as possible. \n\nI appreciate your attention to this matter and look forward to your assistance in resolving this issue. If you require any further information or clarification, please do not hesitate to contact me via phone at XXXX or email at XXXX. \n\nLink to the Cyber Attack Explanation from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely,","date_sent_to_company":"2023-04-13T06:00:27.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"357XX","tags":null,"has_narrative":true,"complaint_id":"6835384","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-13T06:00:22.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint against <em>Experian</em>, <em>XXXX</em>, <em>XXXX</em>, and <em>XXXX</em>  <em>XXXX</em> for non-<em>compliance</em> with the Fair Credit Reporting Act <em>Dear</em> Sir/Madam, I am writing to file a formal complaint against <em>Experian</em>, <em>XXXX</em>, <em>XXXX</em>, and <em>XXXX</em>  <em>XXXX</em> for their failure to comply with the requirements of the Fair Credit Reporting Act ( <em>FCRA</em> ) concerning the investigation and <em>resolution</em> of a <em>disputed</em> late payment on my <em>XXXX</em>  <em>XXXX</em> credit card account."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.888376,"6835384"]},{"_index":"complaint-public-v1","_id":"8078267","_score":18.814844,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, Experian and XXXX regarding inaccurate information ( XXXXXXXX XXXX XXXXXXXX -Experian XXXXXXXX XXXX  XXXX. Unfortunately, despite filing my initial dispute last Month and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).\n\nThe continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.\n\n2. Demand a prompt and thorough investigation of my disputed information.\n\n3. Hold the bureau ( s ) accountable for the delay and any harm caused.\n\n4. Ensure the immediate removal of the inaccurate information from my credit report if verified.\n\nI have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters 3. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. \n\nSincerely,","date_sent_to_company":"2023-12-29T14:28:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"8078267","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-29T14:28:40.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB, I'm writing to update you on my ongoing credit report <em>dispute</em> with <em>XXXX</em>, <em>Experian</em> and <em>XXXX</em> regarding inaccurate information ( XXXXXXXX <em>XXXX</em> XXXXXXXX -<em>Experian</em> XXXXXXXX <em>XXXX</em>  <em>XXXX</em>. Unfortunately, despite filing my initial <em>dispute</em> last Month and exceeding the 30-day timeframe outlined in the <em>FCRA</em>, I have not received any response or update from the bureau ( s )."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.814844,"8078267"]},{"_index":"complaint-public-v1","_id":"11852802","_score":18.797691,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Failure to Adhere to FCRA Requirements and Non-Compliance with Consumer Dispute Request To : Experian Dispute Resolution Department From : XXXX XXXX Date : XX/XX/XXXX Reference : Complaint/Case XXXX Dear Experian Dispute Resolution Team, I am writing in response to your recent reply regarding my complaint submitted on XX/XX/XXXX, through the CFPB Complaint Portal. Your response fails to address my original complaint in accordance with the Fair Credit Reporting Act ( FCRA ) and instead shifts responsibility to the data furnishers. This response does not comply with federal legal requirements and disregards the specific obligations that Experian, as a consumer reporting agency ( CRA ), must uphold.\n\nFailure to Address FCRA Violations 1. Unauthorized Reporting Without My Written Consent My complaint explicitly stated that Experian is reporting accounts without my explicit written consent.\n\nUnder 15 U.S.C. 1681b ( FCRA Section 604 ), a consumer reporting agency may only furnish a credit report under specific permissible purposes. No such permissible purpose exists for these accounts, and Experian has failed to provide evidence that it has obtained my authorization.\n\nYour response did not address the legal requirement that Experian must have my explicit written consent to include this information in my consumer file. Instead, you inappropriately referred the dispute to the data furnishers, which does not absolve Experian of its legal responsibility under the FCRA.\n\n2. Failure to Remove Unauthorized or Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), I have the right to request the removal of fraudulent or unauthorized accounts. I specifically identified two accountsXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX unauthorized. \nAccording to FCRA Section 605B, when a consumer disputes an account as fraudulent, Experian must block the information within four ( 4 ) business days. Your response failed to acknowledge or comply with this obligation, and the accounts remain on my report in direct violation of federal law. \n3. Misrepresentation of Experians Role in the Dispute Process Your response states that Experian merely acts as an intermediary between consumers and data furnishers. However, under 15 U.S.C. 1681i ( FCRA Section 611 ), Experian is required to conduct a reasonable reinvestigation of disputed information. \nSimply forwarding my dispute to the data furnishers and accepting their verification without proper scrutiny does not constitute a reasonable reinvestigation as required by law. \nIf an item can not be verified in accordance with the law, it must be removed. Your response fails to acknowledge this requirement.\n\n4. Failure to Provide Proof of Verification or Permissible Purpose Your response claims that the furnishers verified the accounts, yet you failed to provide any supporting documentation proving such verification.\n\nUnder 15 U.S.C. 1681i ( a ) ( 6 ), upon completion of a reinvestigation, Experian must provide me with a written notice of its determination and the procedures used to verify the information. No such documentation has been provided.\n\nAdditionally, under 15 U.S.C. 1681b, I have the right to demand proof of a permissible purpose for these accounts being reported. Your response does not provide this evidence, further demonstrating non-compliance with federal law.\n\nExperians Legal Liability for Non-Compliance By failing to comply with the above FCRA requirements, Experian is in violation of federal law and may be held liable for : Willful non-compliance under 15 U.S.C. 1681n, which subjects Experian to statutory damages, punitive damages, and attorneys fees. \nNegligent non-compliance under 15 U.S.C. 1681o, which subjects Experian to actual damages and attorneys fees.\n\nDemand for Immediate Action Given the above violations, I demand the following actions be taken immediately : 1. Remove the Unauthorized Accounts The following accounts must be immediately deleted from my credit report as required under FCRA Section 605B : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX. Provide Documentation of XXXX If you claim that these accounts have been verified, you are required to provide documentation demonstrating how they were verified, including proof that I gave explicit written consent for them to be included in my credit report. \n3. Provide Proof of Permissible Purpose If you claim a permissible purpose exists under FCRA Section 604, provide the exact authorization document that allows these accounts to remain on my report.\n\n4. Comply with FCRA Section 605B Block these accounts within four business days as required by federal law.\n\nFailure to comply will leave me no choice but to escalate this matter further, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding Experians violations.\n\nInitiating legal action against Experian for willful and negligent non-compliance with the FCRA, seeking statutory and punitive damages.\n\nThis matter requires immediate attention. Please respond in full compliance with federal law within the required timeframe.","date_sent_to_company":"2025-01-30T19:13:51.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"10027","tags":null,"has_narrative":true,"complaint_id":"11852802","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T18:58:35.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["Subject : Failure to Adhere to <em>FCRA</em> Requirements and Non-<em>Compliance</em> with Consumer <em>Dispute</em> Request To : <em>Experian</em> <em>Dispute</em> <em>Resolution</em> Department From : <em>XXXX</em> <em>XXXX</em> Date : XX/XX/<em>XXXX</em> Reference : Complaint/Case <em>XXXX</em> <em>Dear</em> <em>Experian</em> <em>Dispute</em> <em>Resolution</em> Team, I am writing in response to your recent reply regarding my complaint submitted on XX/XX/<em>XXXX</em>, through the CFPB Complaint Portal."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.797691,"11852802"]},{"_index":"complaint-public-v1","_id":"16314818","_score":18.688833,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB, This is my third attempt to request verification of the information, and to date Experian has not provided any documentary validation. \n\nI respectfully disagree with Experians response CFPB REPORT : XXXX dated XX/XX/year>. \n\nAccount XXXX XXXX. Failure to comply with statutory XXXX deadline. My original dispute letter was sent on XX/XX/year>, by certified mail. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ), Experian had 30 days to complete the reinvestigation. Their response on XX/XX/year>, was well outside this statutory period. Any disputed information that can not be verified within the legal time limit must be deleted. \n\nXXXX. Lack of actual verification. Experian claims the furnisher verified the information, but no supporting documentation was ever provided to me. Simply marking an item as verified without producing documentary evidence does not constitute compliance with the FCRA. The law is clear : if the disputed item can not be substantiated with proper records, it must be removed. \n\nXXXX. Furnishing inaccurate late payment data. I specifically cited 15 U.S. Code 1666b and 1637 ( b ) in my dispute. A creditor can not treat a payment as late unless they have proven compliance with the XXXX billing statement rule. No such proof has been produced. Therefore, the late payments reported by XXXX XXXX remain unverified and unlawfully furnished. \n\nXXXX closed with explanation is not a lawful resolution. The disputed information has not been validated, the statutory timeframe has not been honored, and continued reporting constitutes willful noncompliance under 15 U.S. Code 1681n.","date_sent_to_company":"2025-10-02T21:45:19.000Z","issue":"Improper use of your report","sub_product":"General-purpose credit card or charge card","zip_code":"02910","tags":null,"has_narrative":true,"complaint_id":"16314818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-02T21:24:28.000Z","state":"RI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB, This is my third attempt to request verification of the information, and to date <em>Experian</em> has not provided any documentary validation. \n\nI respectfully disagree with <em>Experians</em> response CFPB REPORT : <em>XXXX</em> dated XX/XX/year>. \n\nAccount <em>XXXX</em> <em>XXXX</em>. Failure to comply with statutory <em>XXXX</em> deadline. My original <em>dispute</em> letter was sent on XX/XX/year>, by certified mail. 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