{"took":70,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":726,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10470579","_score":23.352331,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian for violating several provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in credit reports. \n\nExperian has repeatedly listed incorrect names and addresses on my credit report. I have disputed these inaccuracies multiple times, as outlined under 15 U.S. Code 1681i ( a ), which requires a consumer reporting agency to conduct a timely reinvestigation of disputed information. Despite these requests, Experian has failed to take any corrective action, continuing to report false information. This deliberate disregard for their obligations under the FCRA places my credit score and financial standing at risk. \n\nI request the permanent deletion of these inaccuracies from my credit report as required under the FCRA when information is found to be inaccurate or unverifiable after a reinvestigation. Furthermore, I expect compliance with 15 U.S. Code 1681c, which mandates the timely removal of outdated or incorrect information. If Experian continues to violate these provisions, I believe they should face penalties, including possible fines, for ongoing noncompliance under 15 U.S. Code 1681n, which holds consumer reporting agencies civilly liable for willful violations of the FCRA. \n\nRecent case law, such as XXXX v. XXXX XXXX, demonstrates that failure to comply with FCRA regulations can lead to substantial legal and financial consequences for credit reporting agencies. In that case, XXXX was ordered to pay significant damages for similar misconduct involving inaccurate reporting and the failure to correct errors after being notified. \n\nI urge the CFPB to take immediate action to ensure that Experian complies with its legal obligations under the FCRA, including the permanent deletion of these inaccuracies from my report and enforcement of penalties if Experian continues to violate consumer rights. \n\nThank you for your attention to this matter, and please feel free to contact me if you need further details or documentation.","date_sent_to_company":"2024-10-17T02:20:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"34205","tags":null,"has_narrative":true,"complaint_id":"10470579","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-17T01:49:02.000Z","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":["I urge the CFPB to take immediate action to <em>ensure</em> that <em>Experian</em> <em>complies</em> with its legal obligations under the <em>FCRA</em>, <em>including</em> the permanent deletion of these inaccuracies from my report and enforcement of penalties if <em>Experian</em> continues to violate consumer rights. \n\nThank you for your attention to this matter, and please feel free to contact me if you need further details or documentation."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[23.352331,"10470579"]},{"_index":"complaint-public-v1","_id":"11591759","_score":23.13716,"_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":["Requested Relief : In accordance with the <em>FCRA</em>, I request that the Consumer Financial Protection Bureau investigate <em>Experians</em> failure to correct inaccurate reporting and their failure to provide a <em>timely</em> response to my disputes. I also request that appropriate corrective action be taken, <em>including</em> the immediate removal or correction of the inaccurate information and a full review of <em>Experians</em> <em>compliance</em> with the <em>FCRA</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[23.13716,"11591759"]},{"_index":"complaint-public-v1","_id":"11749496","_score":22.365742,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this formal complaint against Experian for negligence and non-compliance with legal obligations regarding my credit report. \n\nOn XXXX XXXX, I initiated a request for a credit report, dispute resolution through Experian. However, despite following all necessary procedures, I have experienced the following issues : Failure to Correct Inaccurate Information : I have submitted documentation and filed a formal dispute to correct inaccuracies on my credit report. Despite being well within the time frame prescribed by the Fair Credit Reporting Act ( FCRA ), Experian has not corrected these errors, which has caused an unjust negative impact on my credit score.\n\nLack of Response and Communication : I have made multiple attempts to resolve this issue by contacting Experian through [ phone/email/online portals ]. However, these attempts have been met with inadequate or no response at all. The lack of communication and assistance has left me frustrated and without a clear path to resolution. \n\nNon-Compliance with Consumer Protection Laws : Under the FCRA, I am entitled to a fair and timely resolution of disputes, as well as accurate information being reflected on my credit report. Experian 's failure to address the discrepancies and comply with these legal requirements has harmed my financial reputation and caused unnecessary stress. \n\nI respectfully request that the CFPB investigate this matter and assist in ensuring that Experian takes appropriate action to : Correct the inaccuracies on my credit report without further delay. \nProvide clear communication and updates on the status of my dispute. \nComply with all relevant consumer protection laws, including those outlined under the FCRA. \nThank you for your attention to this complaint. I trust the CFPB will assist in resolving this issue promptly.","date_sent_to_company":"2025-01-24T22:14:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"11749496","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T21:51:02.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Non-<em>Compliance</em> with Consumer Protection Laws : Under the <em>FCRA</em>, I am entitled to a fair and <em>timely</em> resolution of disputes, as well as accurate information being reflected on my credit report. <em>Experian</em> 's failure to address the discrepancies and <em>comply</em> with these legal requirements has harmed my financial reputation and caused unnecessary stress."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[22.365742,"11749496"]},{"_index":"complaint-public-v1","_id":"10263796","_score":22.233517,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX EXPERIAN REPORT NUMBER : XXXX Subject : Non-Compliance with Section 605C and 605C ( b ) of the Fair Credit Reporting Act XXXX  Victim To Whom It May Concern, I am writing to bring to your attention Experian 's failure to comply with Sections 605C and 605C ( b ) of the Fair Credit Reporting Act ( FCRA ), which require the removal of adverse information from the credit report of a XXXX  victim within XXXX business days I have already provided Experian with the necessary documentation proving my status as a victim of XXXX  and that is my self Attestation form, in accordance with the provisions of Section 605C ( b ). Under this section, Experian is legally obligated to block or remove any adverse items resulting from the XXXX. Despite this, Experian has failed to take the appropriate actions and continues to report damaging and fraudulent information on my credit file. \n\nThis inaction constitutes a violation of my rights under the FCRA and is impeding my ability to recover from the financial harm caused by the XXXX. According to Section 605C, survivors do not need to provide additional evidence to prove their connection with to XXXX  beyond self Attestation. Experian is required to act promptly to ensure that no further harm is caused by continuing to report this inaccurate and unjust information. \n\nI expect Experian to immediately comply with its legal obligations by removing all adverse information connected to the XXXX. Should this issue not be resolved in a timely manner, I will pursue further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. \n\nI trust Experian will act promptly to address this matter and ensure full compliance with the law. \n\nSincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX","date_sent_to_company":"2024-09-26T14:21:39.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43147","tags":null,"has_narrative":true,"complaint_id":"10263796","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-26T14:11:55.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Should this issue not be resolved in a <em>timely</em> manner, I will pursue further action, <em>including</em> filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. \n\nI trust <em>Experian</em> will act promptly to address this matter and <em>ensure</em> full <em>compliance</em> with the law. \n\nSincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[22.233517,"10263796"]},{"_index":"complaint-public-v1","_id":"10263707","_score":22.218351,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN REPORT NUMBER : XXXX Subject : Non-Compliance with Section 605C and 605C ( b ) of the Fair Credit Reporting Act Trafficking Victim To Whom It May Concern, I am writing to bring to your attention Experian 's failure to comply with Sections 605C and 605C ( b ) of the Fair Credit Reporting Act ( FCRA ), which require the removal of adverse information from the credit report of a trafficking victim within 4 business days I have already provided Experian with the necessary documentation proving my status as a victim of trafficking and that is my self Attestation form, in accordance with the provisions of Section 605C ( b ). Under this section, Experian is legally obligated to block or remove any adverse items resulting from the trafficking. Despite this, Experian has failed to take the appropriate actions and continues to report damaging and fraudulent information on my credit file. \n\nThis inaction constitutes a violation of my rights under the FCRA and is impeding my ability to recover from the financial harm caused by the trafficking. According to XXXXection 605C, survivors do not need to provide additional evidence to prove their connection with to trafficking beyond self Attestation. Experian is required to act promptly to ensure that no further harm is caused by continuing to report this inaccurate and unjust information. \n\nI expect Experian to immediately comply with its legal obligations by removing all adverse information connected to the trafficking. Should this issue not be resolved in a timely manner, I will pursue further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. \n\nI trust Experian will act promptly to address this matter and ensure full compliance with the law. \n\nSincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX","date_sent_to_company":"2024-09-26T14:21:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43147","tags":null,"has_narrative":true,"complaint_id":"10263707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-26T14:21:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Should this issue not be resolved in a <em>timely</em> manner, I will pursue further action, <em>including</em> filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. \n\nI trust <em>Experian</em> will act promptly to address this matter and <em>ensure</em> full <em>compliance</em> with the law. \n\nSincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[22.218351,"10263707"]},{"_index":"complaint-public-v1","_id":"10263705","_score":22.218351,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN REPORT NUMBER : XXXX Subject : Non-Compliance with Section 605C and 605C ( b ) of the Fair Credit Reporting Act Trafficking Victim To Whom It May Concern, I am writing to bring to your attention Experian 's failure to comply with Sections 605C and 605C ( b ) of the Fair Credit Reporting Act ( FCRA ), which require the removal of adverse information from the credit report of a trafficking victim within 4 business days I have already provided Experian with the necessary documentation proving my status as a victim of trafficking and that is my self Attestation form, in accordance with the provisions of Section 605C ( b ). Under this section, Experian is legally obligated to block or remove any adverse items resulting from the trafficking. Despite this, Experian has failed to take the appropriate actions and continues to report damaging and fraudulent information on my credit file.\n\nThis inaction constitutes a violation of my rights under the FCRA and is impeding my ability to recover from the financial harm caused by the trafficking. According to Section 605C, survivors do not need to provide additional evidence to prove their connection with to trafficking beyond self Attestation. Experian is required to act promptly to ensure that no further harm is caused by continuing to report this inaccurate and unjust information. \n\nI expect Experian to immediately comply with its legal obligations by removing all adverse information connected to the trafficking. Should this issue not be resolved in a timely manner, I will pursue further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. \n\nI trust Experian will act promptly to address this matter and ensure full compliance with the law. \n\nSincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX","date_sent_to_company":"2024-09-26T14:21:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"43147","tags":null,"has_narrative":true,"complaint_id":"10263705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-09-26T14:21:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Should this issue not be resolved in a <em>timely</em> manner, I will pursue further action, <em>including</em> filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking additional remedies through legal avenues. \n\nI trust <em>Experian</em> will act promptly to address this matter and <em>ensure</em> full <em>compliance</em> with the law. \n\nSincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[22.218351,"10263705"]},{"_index":"complaint-public-v1","_id":"9535316","_score":21.845198,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX, respectfully moves this Honorable Court to compel Experian and XXXX XXXX XXXX XXXX XXXX to comply with the Fair Credit Reporting Act ( FCRA ) 605B, which mandates the removal of accounts resulting from identity theft within XXXX business days. Experian has failed to delete accounts as required by law, and I XXXX XXXX seeks damages for non-compliance. Identity Theft Notification : On XX/XX/XXXX, XXXX XXXX notified Experian of fraudulent accounts resulting from identity theft, providing all required documentation, including and identity theft affidavit. Non-Compliance with FCRA 605B : Despite proper notice, Experian and XXXX failed to remove the fraudulent accounts within four business days, violating FCRA XXXX. A. FCRA XXXX XXXX Statutory Requirement : FCRA 605B mandates prompt removal of fraudulent information upon receipt of proper documentation. \nRelevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX to ensure report accuracy. \nXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Requirement for reasonable procedures for maximum accuracy. \nXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Duty for timely investigations and corrections. I refuse to pay this unverified debt and either these companies are in business to make profit using illegal and unethical and has misrepresented facts of this debt.","date_sent_to_company":"2024-07-18T02:37:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60620","tags":null,"has_narrative":true,"complaint_id":"9535316","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-07-18T02:37:33.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Identity Theft Notification : On XX/XX/XXXX, XXXX XXXX notified <em>Experian</em> of fraudulent accounts resulting from identity theft, providing all required documentation, <em>including</em> and identity theft affidavit. Non-<em>Compliance</em> with <em>FCRA</em> 605B : Despite proper notice, <em>Experian</em> and XXXX failed to remove the fraudulent accounts within four business days, violating <em>FCRA</em> XXXX. A."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[21.845198,"9535316"]},{"_index":"complaint-public-v1","_id":"8995291","_score":21.606918,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian, a consumer reporting agency, regarding violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. It has come to my attention that Experian has failed to maintain accurate, timely, and verifiable personal information in my credit profile, thereby compromising my rights as a consumer. \n\nDespite providing accurate and up-to-date personal information, I have discovered discrepancies within my credit profile maintained by Experian. Specifically, Experian has failed to comply with FCRA and XXXX XXXX standards by including addresses in their system that do not match my current address As mandated by federal law, consumer reporting agencies are required to maintain accurate and verifiable information in consumer credit reports. Failure to do so not only violates the FCRA but also undermines consumer trust and confidence in the credit reporting system. \n\nI demand that Experian take immediate action to rectify these inaccuracies by deleting any addresses in their system that do not match my current address. Additionally, I request that Experian provide me with written confirmation of the deletion of these inaccurate addresses from my credit profile. \n\nFurthermore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against Experian for their non-compliance with federal regulations. It is imperative that consumer reporting agencies uphold the highest standards of accuracy and integrity to ensure fair and transparent credit reporting practices.","date_sent_to_company":"2024-05-13T20:16:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"8995291","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-05-13T20:12:46.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Despite providing accurate and up-to-date personal information, I have discovered discrepancies within my credit profile maintained by <em>Experian</em>. Specifically, <em>Experian</em> has failed to <em>comply</em> with <em>FCRA</em> and XXXX XXXX standards by <em>including</em> addresses in their system that do not match my current address As mandated by federal law, consumer reporting agencies are required to maintain accurate and verifiable information in consumer credit reports."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[21.606918,"8995291"]},{"_index":"complaint-public-v1","_id":"11270437","_score":21.0534,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Cease-and-Desist Request Regarding XXXX and Experian Dear Sir/Madam, I am writing to formally demand that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Experian cease and desist from engaging in the following actions : 1. [ Describe specific actions, e.g., \" reporting inaccurate information on my credit report, '' \" failing to respond to disputes in a timely manner, '' \" violating the Fair Credit Reporting Act ( FCRA ), '' etc. ] 2. [ Provide additional details and evidence related to the actions by XXXX and Experian, such as dates of disputes, copies of correspondence, or reference numbers. ] These actions have caused significant harm to me, including but not limited to [ denial of credit, increased interest rates, emotional distress, defamation of character ]. Their conduct is in direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable laws.\n\nI request that the CFPB take immediate steps to enforce compliance byExperian and require them to : Correct inaccurate information on my credit report.\n\nCease further dissemination of inaccurate information. \n\nProvide written confirmation of their compliance with my request. \n\n\nAdditionally, I demand that XXXX and Experian refrain from any further violations of my rights and promptly resolve this matter. Failure to comply with this cease-and-desist request will leave me with no choice but to pursue additional remedies, including filing legal action or further regulatory complaints. \n\nPlease confirm in writing that this matter has been addressed and resolved within [ reasonable timeframe, e.g., 15\n\nbusiness days ] of the date of this letter. I trust that the CFPB will fulfill its duty to protect consumers and ensure Experian is held accountable for their actions. \n\nThank you for your immediate attention to this matter. \n\nSincerely,","date_sent_to_company":"2024-12-23T19:08:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38501","tags":null,"has_narrative":true,"complaint_id":"11270437","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-23T18:55:00.000Z","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":["Failure to <em>comply</em> with this cease-and-desist request will leave me with no choice but to pursue additional remedies, <em>including</em> filing legal action or further regulatory complaints. \n\nPlease confirm in writing that this matter has been addressed and resolved within [ reasonable timeframe, e.g., 15\n\nbusiness days ] of the date of this letter. I trust that the CFPB will fulfill its duty to protect consumers and <em>ensure</em> <em>Experian</em> is held accountable for their actions."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[21.0534,"11270437"]},{"_index":"complaint-public-v1","_id":"11423583","_score":21.038355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern : I am filing this complaint against Experian for failing to properly respond to my dispute and for engaging in practices that violate the Fair Credit Reporting Act ( FCRA ). Experian has mishandled my dispute, failed to provide the legally required information, and delayed resolution, causing harm to my creditworthiness and financial well-being. \n\nSummary of Issues Failure to Respond in a Timely Manner : On XX/XX/XXXX, I sent an initial dispute letter to Experian. They failed to respond with the results of their investigation within the XXXX period mandated by the FCRA. \n\nFailure to Comply with a Demand Letter : On XX/XX/XXXX, I sent a Demand to Comply letter due to Experians failure to resolve my dispute. \n\nInadequate Verification and Lack of Evidence : On XX/XX/XXXX, Experian sent a letter claiming the disputed accounts were verified but failed to provide specific details or proof regarding how the accounts were verified. \n\nOn XX/XX/XXXX, Experian sent dispute results again stating that the accounts were verified but, once again, did not provide the required evidence or explanation of the verification process. \n\nThese actions clearly demonstrate Experians bad-faith efforts to delay resolution and avoid addressing the inaccuracies in my credit file. \n\nFCRA Violations Experians actions violate several provisions of the FCRA, including but not limited to : 611 ( a ) ( 1 ) ( A ) : Duty to Investigate Disputes : Experian failed to conduct a reasonable investigation within the XXXX period as required by law. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Notification of Results of Reinvestigation : Experian provided no substantive explanation or documentation supporting their claim that the accounts were verified. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Disclosure of Process : Experian did not provide details about the method or steps taken to verify the disputed accounts. \n\nXXXX XXXX XXXX XXXX : Duty to Maintain Accurate Information : Experian has failed to ensure maximum possible accuracy in my credit file by retaining inaccurate information. \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Timely Communication with Creditors : The delayed responses and lack of verification indicate Experian did not communicate with creditors in a timely and effective manner. \n\nDamages and Legal Remedies Under the FCRA Should litigation become necessary, I will seek the following damages as allowed under the FCRA : Statutory Damages : Up to {$1000.00} per violation for Experians willful noncompliance under XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\nActual Damages : Compensation for financial harm, emotional distress, and damage to my creditworthiness caused by the inaccurate information and Experians failure to act. \n\nPunitive Damages : Additional damages for willful and egregious violations under XXXX ( a ) ( XXXX ). \n\nCosts and Attorneys Fees : Full recovery of all legal costs and attorneys fees under XXXX ( a ). \n\nDemand for Immediate Action I demand that Experian : Immediately remove the following disputed accounts : XXXX. Account Name : XXXX XXXX XXXX ( dba XXXX ) Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Comply with their obligations under the FCRA to ensure maximum possible accuracy. \nRespond with confirmation of removal of accounts within XXXX days of receiving this complaint. \n\nNotice of Intent to Litigate If Experian fails to comply with these demands within XXXX days, I will have no choice but to initiate legal proceedings to enforce my rights under the FCRA. This includes seeking all damages outlined above. \n\nI trust that the CFPB will take swift action to ensure Experians compliance with federal law. Please do not hesitate to contact me if additional information or documentation is needed. \n\nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2025-01-08T01:15:01.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77083","tags":null,"has_narrative":true,"complaint_id":"11423583","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T00:44:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I trust that the CFPB will take swift action to <em>ensure</em> <em>Experians</em> <em>compliance</em> with federal law. Please do not hesitate to contact me if additional information or documentation is needed. \n\nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[21.038355,"11423583"]},{"_index":"complaint-public-v1","_id":"11585311","_score":20.863844,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Urgent Request for Compliance with the FCRA Regarding Disputed Information I am writing to formally express my concerns regarding Experian 's failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically regarding the reinvestigation of disputed information on my credit report. Despite providing evidence to demonstrate inaccuracies or unverifiable accounts, Experian has neither corrected nor removed the disputed items. This failure has caused ongoing harm to my credit standing. \n\nI am aware of recent legal action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian, highlighting systemic issues including : Failure to forward consumer-provided evidence to furnishers during reinvestigation. \nXXXX on unreliable responses from furnishers to disputes. \nInadequate notification to consumers about dispute outcomes. \nThese allegations closely align with my experience. Experian 's failure to properly address my dispute violates my rights under federal law and undermines the FCRA 's intent to ensure accurate and fair credit reporting. \n\nI am requesting immediate corrective action to either amend or remove the disputed accounts on my credit report. If Experian can not verify the accuracy of the information in question, it must be removed as required under 15 U.S.C. 1681i of the FCRA.\n\nI expect a prompt response confirming that corrective actions have been taken. Failure to comply with these obligations may compel me to escalate this matter through additional regulatory or legal channels. \n\nThank you for your attention to this urgent matter. I look forward to your timely response.","date_sent_to_company":"2025-01-16T15:51:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30038","tags":"Servicemember","has_narrative":true,"complaint_id":"11585311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T15:43:01.000Z","state":"GA","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":["Failure to <em>comply</em> with these obligations may compel me to escalate this matter through additional regulatory or legal channels. \n\nThank you for your attention to this urgent matter. I look forward to your <em>timely</em> response."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.863844,"11585311"]},{"_index":"complaint-public-v1","_id":"11626212","_score":20.696493,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the reporting of a XXXX XXXX XXXX XXXX account on my credit report. This letter serves as a follow-up to the complaint I submitted to the CFPB on XX/XX/XXXX, regarding the inaccuracies in the reporting of this account.As of XX/XX/XXXX, your company hasn't responded through the CFPB portal without any explanation. While you stated that you contacted the data furnisher and conducted a re-investigation, I believe that Experian failed to properly investigate my dispute in a lawful and timely manner, in violation of the Fair Credit Reporting Act ( FCRA ). Issues with Experians Handling of My Dispute : Failure to Conduct a Proper Re-Investigation : Experians dispute intake procedures are faulty, as they fail to convey all relevant consumer-submitted documentation to the original furnisher. Uncritical Deference to Furnisher Responses : Your response indicates that you rely heavily on the data furnisher 's response, even when such responses are improbable, illogical, or lack adequate verification. Failure to Utilize Consumer-Provided Evidence : Experian ignored documentation I provided to substantiate my claim that the account is being inaccurately reported. Violation of Timely Investigation Requirements : Per FCRA Section 611 ( 15 U.S.C. 1681i ), the reinvestigation period must be completed within 30 days ( or 45 days if additional information is provided during the investigation ). Experian unlawfully extended this period and failed to complete a timely, thorough review. Request for XXXX : To rectify this matter, I am requesting that Experian : Provide a detailed summary of the specific steps taken during your reinvestigation process, including how consumer-submitted evidence was reviewed and shared with the data furnisher. Supply the verification documentation received from XXXX XXXX XXXX  ACCOUNT that substantiates the reporting of the disputed account. Immediately remove the disputed XXXX XXXX account from my credit report if verification can not be properly documented. Confirm compliance with FCRA and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. I expect Experian to comply with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and ensuring that the information reported on my credit file is accurate and verifiable. Failure to address these concerns may result in further action, including filing additional complaints with the FTC and consulting legal counsel to protect my rights. Please respond to this dispute in writing within XXXX days of receipt of this letter","date_sent_to_company":"2025-01-19T13:59:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"11626212","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-19T13:47:12.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Confirm <em>compliance</em> with <em>FCRA</em> and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. I expect <em>Experian</em> to <em>comply</em> with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and <em>ensuring</em> that the information reported on my credit file is accurate and verifiable."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.696493,"11626212"]},{"_index":"complaint-public-v1","_id":"11626982","_score":20.685825,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the reporting of a XXXX XXXX account on my credit report. This letter serves as a follow-up to the complaint I submitted to the CFPB on XX/XX/XXXX, regarding the inaccuracies in the reporting of this account.As of XX/XX/XXXX, your company hasn't responded through the CFPB portal withouXXXX any explanation. While you stated that you contacted the data furnisher and conducted a re-investigation, I believe that Experian failed to properly investigate my dispute in a lawful and timely manner, in violation of the Fair Credit Reporting Act ( FCRA ). Issues with Experians Handling of My Dispute : Failure to Conduct a Proper Re-Investigation : Experians dispute intake procedures are faulty, as they fail to convey all relevant consumer-submitted documentation to the original furnisher. Uncritical Deference to Furnisher Responses : Your response indicates that you rely heavily on the data furnisher 's response, even when such responses are improbable, illogical, or lack adequate verification. Failure to Utilize Consumer-Provided Evidence : Experian ignored documentation I provided to substantiate my claim that the account is being inaccurately reported. Violation of Timely Investigation Requirements : Per FCRA Section 611 ( 15 U.S.C. 1681i ), the reinvestigation period must be completed within 30 days ( or 45 days if additional information is provided during the investigation ). Experian unlawfully extended this period and failed to complete a timely, thorough review. Request for Resolution : To rectify this matter, I am requesting that Experian : Provide a detailed summary of the specific steps taken during your reinvestigation process, including how consumer-submitted evidence was reviewed and shared with the data furnisher. Supply the verification documentation received from XXXX XXXX that substantiates the reporting of the disputed account. Immediately remove the disputed XXXX XXXX account from my credit report if verification can not be properly documented. Confirm compliance with FCRA and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. I expect Experian to comply with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and ensuring that the information reported on my credit file is accurate and verifiable. Failure to address these concerns may result in further action, including filing additional complaints with the FTC and consulting legal counsel to protect my rights. Please respond to this dispute in writing within 15 days of receipt of this letter","date_sent_to_company":"2025-01-19T13:38:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"088XX","tags":null,"has_narrative":true,"complaint_id":"11626982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-19T12:40:29.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Confirm <em>compliance</em> with <em>FCRA</em> and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. I expect <em>Experian</em> to <em>comply</em> with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and <em>ensuring</em> that the information reported on my credit file is accurate and verifiable."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.685825,"11626982"]},{"_index":"complaint-public-v1","_id":"11630205","_score":20.656591,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the reporting of a XXXX XXXX account on my credit report. This letter serves as a follow-up to the complaint I submitted to the CFPB on XX/XX/XXXX, regarding the inaccuracies in the reporting of this account. \n\nOn XX/XX/XXXX, your company responded through the CFPB portal with an interim explanation. While you stated that you contacted the data furnisher and conducted a re-investigation, I believe that Experian failed to properly investigate my dispute in a lawful and timely manner, in violation of the Fair Credit Reporting Act ( FCRA ). \n\nIssues with Experians Handling of My Dispute : Failure to Conduct a Proper Re-Investigation : Experians dispute intake procedures are faulty, as they fail to convey all relevant consumer-submitted documentation to the original furnisher. \nUncritical Deference to Furnisher Responses : Your response indicates that you rely heavily on the data furnisher 's response, even when such responses are improbable, illogical, or lack adequate verification. \nFailure to Utilize Consumer-Provided Evidence : Experian ignored documentation I provided to substantiate my claim that the account is being inaccurately reported. \nViolation of Timely Investigation Requirements : Per FCRA Section 611 ( 15 U.S.C. 1681i ), the reinvestigation period must be completed within 30 days ( or 45 days if additional information is provided during the investigation ). Experian unlawfully extended this period and failed to complete a timely, thorough review.\n\nRequest for Resolution : To rectify this matter, I am requesting that Experian : Provide a detailed summary of the specific steps taken during your reinvestigation process, including how consumer-submitted evidence was reviewed and shared with the data furnisher. \nXXXX the verification documentation received from XXXX XXXX that substantiates the reporting of the disputed account. \nImmediately remove the disputed XXXX XXXX account from my credit report if verification can not be properly documented. \nConfirm compliance with FCRA and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. \nI expect Experian to comply with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and ensuring that the information reported on my credit file is accurate and verifiable. Failure to address these concerns may result in further action, including filing additional complaints with the FTC and consulting legal counsel to protect my rights. \n\nPlease respond to this dispute in writing within 15 days of receipt of this letter","date_sent_to_company":"2025-01-19T02:24:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"08021","tags":null,"has_narrative":true,"complaint_id":"11630205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-19T02:06:07.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Confirm <em>compliance</em> with <em>FCRA</em> and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. \nI expect <em>Experian</em> to <em>comply</em> with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and <em>ensuring</em> that the information reported on my credit file is accurate and verifiable."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.656591,"11630205"]},{"_index":"complaint-public-v1","_id":"8242490","_score":20.584305,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to lodge a formal complaint against Experian for their failure to comply with the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts and provision of necessary documentation, Experian has continually refused to correct inaccuracies in my credit report, specifically concerning erroneous addresses. \n\nBackground of the Dispute : I have previously sent certified mail to Experian, requesting the removal of addresses that do not belong to me and the update of my credit report with the correct information. Despite furnishing adequate proof, including government-issued identification and other relevant documents, Experian has persistently declined to make the necessary corrections. \n\nViolation of FCRA : This refusal to rectify inaccuracies in my credit report is a blatant violation of the FCRA, which mandates the timely correction of any inaccuracies once these have been reported to the credit bureau. The FCRA is designed to protect consumers like myself from the consequences of erroneous credit reporting, and Experian 's non-compliance is causing me significant financial harm and distress. \n\nReference to XXXX XXXX Experian Case : The situation mirrors the issues presented in the case of XXXX  v. Experian Information Solutions Inc. , XXXX XXXX XXXX XXXX, in the U.S. District Court for the XXXX XXXX  of Virginia . In this precedent, Experian faced legal repercussions for similar failures in updating and correcting credit report inaccuracies. I believe my situation falls under similar grounds of non-compliance and negligence. \n\nRelevant US Code Violations : The actions of Experian also seem to contravene specific stipulations in the US Code related to consumer credit reporting, particularly under 15 US Code 1681i, which mandates the prompt investigation and correction of disputed information on credit reports. \n\nGiven these circumstances, I kindly request the CFPB to intervene and assist in resolving this matter. The inability of Experian to address such a fundamental error not only undermines consumer trust in credit reporting agencies but also violates federal regulations designed to protect consumer rights. \n\nEnclosed are copies of all correspondence with Experian, along with the documented evidence I provided to them. \n\nThank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure compliance with federal law and the protection of consumer rights","date_sent_to_company":"2024-01-29T13:02:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"27529","tags":null,"has_narrative":true,"complaint_id":"8242490","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-01-29T12:22:37.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information incorrect"},"highlight":{"complaint_what_happened":["Violation of <em>FCRA</em> : This refusal to rectify inaccuracies in my credit report is a blatant violation of the <em>FCRA</em>, which mandates the <em>timely</em> correction of any inaccuracies once these have been reported to the credit bureau. The <em>FCRA</em> is designed to protect consumers like myself from the consequences of erroneous credit reporting, and <em>Experian</em> 's non-<em>compliance</em> is causing me significant financial harm and distress."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.584305,"8242490"]},{"_index":"complaint-public-v1","_id":"13532533","_score":20.438408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian Failure to Investigate or Remove Inaccurate Credit Reporting To Whom It May Concern, I am filing this formal complaint against Experian for their failure to comply with the obligations imposed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). \n\nDespite multiple attempts to dispute inaccurate information appearing on my Experian credit report, the agency has either : Failed to provide documentation or proper validation of the disputed accounts, or Failed to remove or correct clearly inaccurate or unverifiable items within the required XXXX period. \n\nUnder FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. If the information can not be verified, it must be removed. Experians refusal to remove unverifiable information and failure to provide proof constitutes a direct violation of this requirement. \n\nAdditionally, their actions contradict the CFPBs own enforcement guidance that requires credit bureaus to ensure the accuracy and integrity of consumer credit data and to respond adequately to disputes in a timely and thorough manner. \n\nThese actionsor lack thereofhave caused undue harm to my financial standing, including denials of credit and increased interest rates, and have violated my rights as outlined by federal law. \n\nI request the CFPB investigate Experian for these violations and ensure that they are held accountable for their non-compliance. I am requesting that the inaccurate, unverifiable accounts be permanently removed and that my file be corrected. \n\nAttached are copies of my dispute letters, relevant credit report excerpts, and any responses or lack thereof from Experian. \n\nThank you for your time and attention to this matter. I trust the CFPB will intervene appropriately to ensure Experian upholds their legal obligations. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-05-15T12:18:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77578","tags":null,"has_narrative":true,"complaint_id":"13532533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-15T12:14:54.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["These actionsor lack thereofhave caused undue harm to my financial standing, <em>including</em> denials of credit and increased interest rates, and have violated my rights as outlined by federal law. \n\nI request the CFPB investigate <em>Experian</em> for these violations and <em>ensure</em> that they are held accountable for their non-<em>compliance</em>. I am requesting that the inaccurate, unverifiable accounts be permanently removed and that my file be corrected."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.438408,"13532533"]},{"_index":"complaint-public-v1","_id":"11926075","_score":20.375444,"_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":["Regulatory Action Against <em>Experian</em> for <em>FCRA</em> Non-<em>Compliance</em> o Given that my case reflects a broader pattern of misconduct, I request that the CFPB take enforcement action against <em>Experian</em> to <em>ensure</em> <em>compliance</em> with <em>FCRA</em> requirements. \nI urge the CFPB to take this complaint seriously and hold <em>Experian</em> accountable for their failure to resolve this dispute properly. Thank you for your time and attention. I look forward to your response. \nSincerely, XXXX"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.375444,"11926075"]},{"_index":"complaint-public-v1","_id":"12472683","_score":20.301725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Civil Liability for Negligent Non-Compliance Under 15 U.S. Code 1681o Dear Experian, Equifax, TransUnion, I am writing to dispute certain inaccuracies on my credit report and to bring to your attention the civil liability provisions under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ) for negligent non-compliance. I believe that the information reported about me is inaccurate, and I am requesting that this matter be thoroughly investigated and rectified in accordance with the requirements of the FCRA. \n\nXXXX. Dispute of Liability and Inaccuracy : The inaccurate information in question pertains to the following [ insert details of the disputed item, such as account numbers, creditor names, and the nature of the dispute ] : Account Name/Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Date of Discrepancy/Reporting : XX/XX/XXXX Description of the Issue : ACCOUNT STATUS AND LOAN AMOUNT I believe this information has been reported inaccurately or negligently, as it does not accurately reflect my financial history or behavior. I have taken steps to ensure that all my obligations are met in a timely and responsible manner, and any inaccuracies in this report are the result of a failure to comply with the necessary standards of the FCRA. \n\n2. Legal Reference 15 U.S. Code 1681o : Under 15 U.S. Code 1681o, any failure to comply with the requirements set forth in the Fair Credit Reporting Actwhich includes the accuracy and completeness of information reportedcan result in civil liability for negligent non-compliance. Specifically, this provision holds parties like Experian liable for the failure to : Report accurate and complete information. \nConduct timely and reasonable investigations of disputes. \nCorrect inaccuracies when notified. \nI believe that Experian has failed to fulfill these requirements, resulting in inaccurate reporting of my credit information. As such, I am requesting that the disputed items be investigated, corrected, or removed as necessary. \n\n3. Request for Investigation and Correction : In accordance with the FCRA, I request that you immediately investigate this matter and ensure that my credit report is corrected. Should the disputed information be found to be inaccurate or unverifiable, I expect it to be promptly removed or amended to reflect accurate and truthful details.\n\nIf you need any additional documentation or clarification, please let me know, and I will provide the necessary supporting evidence to resolve this dispute.\n\n4. Legal Consequences : Should this issue not be addressed promptly and accurately, I reserve the right to pursue legal action for negligent non-compliance as provided under 15 U.S. Code 1681o, including seeking damages for any harm caused by the inaccurate reporting of my credit information. \n\nPlease confirm receipt of this dispute, and I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-13T21:48:59.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91767","tags":null,"has_narrative":true,"complaint_id":"12472683","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-03-13T21:48:30.000Z","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 have taken steps to <em>ensure</em> that all my obligations are met in a <em>timely</em> and responsible manner, and any inaccuracies in this report are the result of a failure to <em>comply</em> with the necessary standards of the <em>FCRA</em>. \n\n2. Legal Reference 15 U.S. Code 1681o : Under 15 U.S. Code 1681o, any failure to <em>comply</em> with the requirements set forth in the Fair Credit Reporting Actwhich includes the accuracy and completeness of information reportedcan result in civil liability for negligent non-<em>compliance</em>."]},"sort":[20.301725,"12472683"]},{"_index":"complaint-public-v1","_id":"12125298","_score":20.298119,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance Under the Fair Credit Reporting Act ( FCRA ) Dear Experian Dispute Department, I am writing to dispute inaccurate and misleading information on my credit report that remains uncorrected despite my previous attempts to resolve the matter. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Experian is legally required to maintain accurate credit information, conduct timely investigations, and correct errors. Your failure to comply with these obligations has caused harm to my credit standing and financial well-being. \n\nDisputed Item ( s ) : XXXX XXXX XXXX/ XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Violations of the FCRA 1. Negligence and Failure to Maintain Accuracy ( 1681e ( b ) ) Experian has an obligation to ensure the accuracy of the information it reports. Your failure to correct this inaccurate information demonstrates a lack of reasonable procedures to assure maximum possible accuracy.\n\n2. Failure to Investigate Disputed Information ( 1681i ( a ) ) The FCRA mandates that Experian conduct a reasonable reinvestigation of disputed information within 30 days. If Experian has failed to verify the accuracy of the disputed items within the required timeframe, it has violated federal law.\n\n3. Civil Liability for Willful Non-Compliance ( 1681n ) If Experian knowingly and willfully failed to correct or remove inaccurate, misleading, or unverifiable information, you are liable for damages, including actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees.\n\n4. Civil Liability for Negligence ( 1681o ) If Experians failure to comply with the FCRA was due to negligence, you may still be held liable for actual damages and legal fees.\n\nDemand for Immediate Action I demand the following actions be taken immediately : A thorough reinvestigation into the disputed item ( s ).\n\nRemoval or correction of any unverifiable, outdated, or inaccurate information.\n\nA written statement confirming the results of your investigation and an updated copy of my credit report.\n\nFailure to comply with these legal requirements may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages caused by your negligence and non-compliance.\n\nI expect a response within 30 days from the date of this letter, as required by the FCRA. Thank you for your prompt attention to this serious matter. \n\n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-25T18:47:42.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33407","tags":null,"has_narrative":true,"complaint_id":"12125298","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-19T03:38:04.000Z","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":["Under the Fair Credit Reporting Act ( <em>FCRA</em> ), 15 U.S.C. 1681 et seq., <em>Experian</em> is legally required to maintain accurate credit information, conduct <em>timely</em> investigations, and correct errors. Your failure to <em>comply</em> with these obligations has caused harm to my credit standing and financial well-being."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.298119,"12125298"]},{"_index":"complaint-public-v1","_id":"12473727","_score":20.287237,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Civil Liability for Negligent Non-Compliance Under 15 U.S. Code 1681o Dear Experian, Equifax, TransUnion, I am writing to dispute certain inaccuracies on my credit report and to bring to your attention the civil liability provisions under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ) for negligent non-compliance. I believe that the information reported about me is inaccurate, and I am requesting that this matter be thoroughly investigated and rectified in accordance with the requirements of the FCRA. \n\nXXXX. Dispute of Liability and Inaccuracy : The inaccurate information in question pertains to the following [ insert details of the disputed item, such as account numbers, creditor names, and the nature of the dispute ] : Account Name/Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Date of Discrepancy/Reporting : XX/XX/XXXX Description of the Issue : ACCOUNT STATUS AND LOAN AMOUNT I believe this information has been reported inaccurately or negligently, as it does not accurately reflect my financial history or behavior. I have taken steps to ensure that all my obligations are met in a timely and responsible manner, and any inaccuracies in this report are the result of a failure to comply with the necessary standards of the FCRA. \n\n2. Legal Reference 15 U.S. Code 1681o : Under 15 U.S. Code 1681o, any failure to comply with the requirements set forth in the Fair Credit Reporting Actwhich includes the accuracy and completeness of information reportedcan result in civil liability for negligent non-compliance. Specifically, this provision holds parties like Experian liable for the failure to : Report accurate and complete information. \nConduct timely and reasonable investigations of disputes. \nCorrect inaccuracies when notified. \nI believe that Experian has failed to fulfill these requirements, resulting in inaccurate reporting of my credit information. As such, I am requesting that the disputed items be investigated, corrected, or removed as necessary. \n\n3. Request for Investigation and Correction : In accordance with the FCRA, I request that you immediately investigate this matter and ensure that my credit report is corrected. Should the disputed information be found to be inaccurate or unverifiable, I expect it to be promptly removed or amended to reflect accurate and truthful details.\n\nIf you need any additional documentation or clarification, please let me know, and I will provide the necessary supporting evidence to resolve this dispute.\n\n4. Legal Consequences : Should this issue not be addressed promptly and accurately, I reserve the right to pursue legal action for negligent non-compliance as provided under 15 U.S. Code 1681o, including seeking damages for any harm caused by the inaccurate reporting of my credit information. \n\nPlease confirm receipt of this dispute, and I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-13T21:48:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91767","tags":null,"has_narrative":true,"complaint_id":"12473727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-13T21:16:14.000Z","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 have taken steps to <em>ensure</em> that all my obligations are met in a <em>timely</em> and responsible manner, and any inaccuracies in this report are the result of a failure to <em>comply</em> with the necessary standards of the <em>FCRA</em>. \n\n2. Legal Reference 15 U.S. Code 1681o : Under 15 U.S. Code 1681o, any failure to <em>comply</em> with the requirements set forth in the Fair Credit Reporting Actwhich includes the accuracy and completeness of information reportedcan result in civil liability for negligent non-<em>compliance</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.287237,"12473727"]},{"_index":"complaint-public-v1","_id":"12472682","_score":20.287237,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Civil Liability for Negligent Non-Compliance Under 15 U.S. Code 1681o Dear Experian, Equifax, TransUnion, I am writing to dispute certain inaccuracies on my credit report and to bring to your attention the civil liability provisions under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ) for negligent non-compliance. I believe that the information reported about me is inaccurate, and I am requesting that this matter be thoroughly investigated and rectified in accordance with the requirements of the FCRA. \n\nXXXX. Dispute of Liability and Inaccuracy : The inaccurate information in question pertains to the following [ insert details of the disputed item, such as account numbers, creditor names, and the nature of the dispute ] : Account Name/Number : XXXXXXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Date of Discrepancy/Reporting : XX/XX/XXXX Description of the Issue : ACCOUNT STATUS AND LOAN AMOUNT I believe this information has been reported inaccurately or negligently, as it does not accurately reflect my financial history or behavior. I have taken steps to ensure that all my obligations are met in a timely and responsible manner, and any inaccuracies in this report are the result of a failure to comply with the necessary standards of the FCRA. \n\n2. Legal Reference 15 U.S. Code 1681o : Under 15 U.S. Code 1681o, any failure to comply with the requirements set forth in the Fair Credit Reporting Actwhich includes the accuracy and completeness of information reportedcan result in civil liability for negligent non-compliance. Specifically, this provision holds parties like Experian liable for the failure to : Report accurate and complete information. \nConduct timely and reasonable investigations of disputes. \nCorrect inaccuracies when notified. \nI believe that Experian has failed to fulfill these requirements, resulting in inaccurate reporting of my credit information. As such, I am requesting that the disputed items be investigated, corrected, or removed as necessary. \n\n3. Request for Investigation and Correction : In accordance with the FCRA, I request that you immediately investigate this matter and ensure that my credit report is corrected. Should the disputed information be found to be inaccurate or unverifiable, I expect it to be promptly removed or amended to reflect accurate and truthful details.\n\nIf you need any additional documentation or clarification, please let me know, and I will provide the necessary supporting evidence to resolve this dispute.\n\n4. Legal Consequences : Should this issue not be addressed promptly and accurately, I reserve the right to pursue legal action for negligent non-compliance as provided under 15 U.S. Code 1681o, including seeking damages for any harm caused by the inaccurate reporting of my credit information. \n\nPlease confirm receipt of this dispute, and I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-13T21:48:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91767","tags":null,"has_narrative":true,"complaint_id":"12472682","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-03-13T21:48:30.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have taken steps to <em>ensure</em> that all my obligations are met in a <em>timely</em> and responsible manner, and any inaccuracies in this report are the result of a failure to <em>comply</em> with the necessary standards of the <em>FCRA</em>. \n\n2. Legal Reference 15 U.S. Code 1681o : Under 15 U.S. Code 1681o, any failure to <em>comply</em> with the requirements set forth in the Fair Credit Reporting Actwhich includes the accuracy and completeness of information reportedcan result in civil liability for negligent non-<em>compliance</em>."]},"sort":[20.287237,"12472682"]},{"_index":"complaint-public-v1","_id":"11700727","_score":19.894814,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute and Notice of Negligence in Noncompliance under 15 U.S. Code 1681o Dear Experian Dispute Department, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by your agency. This letter also serves as notice of your noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to 15 U.S. Code 1681o, which addresses civil liability for negligence. \n\n\nDespite my previous efforts to resolve this matter [ e.g., dispute submissions, calls, or correspondence ], Experian has failed to fulfill its obligations under the FCRA. These obligations include : 1. Ensuring maximum possible accuracy of the information in my credit file.\n\n2. Conducting a reasonable investigation of disputed items.\n\n3. Correcting or deleting inaccurate, incomplete, or unverifiable information in a timely manner. \n\nYour failure to meet these requirements has caused me significant harm, including but not limited to : Deny of apartments, transportation and even expenses Under 15 U.S. Code 1681o, Experian may be held civilly liable for damages resulting from negligence in failing to comply with the FCRA. \n\nDemand for Resolution : To address this matter, I demand that Experian : 1. Conduct a thorough investigation into the disputed information.\n\n2. Provide me with written confirmation of your findings and the steps taken to resolve the inaccuracies.\n\n3. Correct or delete the inaccurate, incomplete, or unverifiable information from my credit report.\n\n4. Compensate me for damages caused by Experians negligence, as permitted by the FCRA. \n\nIf Experian fails to resolve this issue within 30 days of receipt of this letter, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or initiating legal action. \n\nPlease treat this letter as formal notice of your obligations and my intent to pursue remedies if compliance is not achieved. I expect a response within the legally mandated timeframe. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-22T20:54:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"44108","tags":null,"has_narrative":true,"complaint_id":"11700727","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-22T20:29:18.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Correcting or deleting inaccurate, incomplete, or unverifiable information in a <em>timely</em> manner. \n\nYour failure to meet these requirements has caused me significant harm, <em>including</em> but not limited to : Deny of apartments, transportation and even expenses Under 15 U.S. Code 1681o, <em>Experian</em> may be held civilly liable for damages resulting from negligence in failing to <em>comply</em> with the <em>FCRA</em>. \n\nDemand for Resolution : To address this matter, I demand that <em>Experian</em> : 1."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.894814,"11700727"]},{"_index":"complaint-public-v1","_id":"11779813","_score":19.847225,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Regarding Inaccurate Information on My Credit Report and Failure to Properly Investigate Disputes Dear Experian, I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. \n\nExperian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Experian has failed to notify me of the methods used to verify the disputed accounts. \nExperian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. \nMy disputes have been dismissed without proper reinvestigation, as required by law. \nIn light of these ongoing issues, I would also like to refer to the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The lawsuit highlights Experians failure to comply with the FCRA by neglecting to properly investigate disputes and by reporting inaccurate information without sufficient verification. This lawsuit is an important reminder that Experian is under scrutiny for these very same issues, and it is imperative that my case be treated with the same urgency and compliance. \n\nAs stipulated under 15 U.S. Code 1681i, consumer reporting agencies must conduct a reasonable reinvestigation of disputed information and notify the consumer of the methods used to verify its accuracy. The failure to do so in my case is a direct violation of my rights under the FCRA. \n\nI am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Experian adheres to its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts, with a reasonable effort to verify their accuracy. \nWritten documentation of the verification methods used to confirm the disputed information. \nImmediate correction or deletion of any unverifiable or inaccurate information. \nExperians neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress. I expect prompt action to correct these ongoing issues. If this matter is not resolved in a timely manner, I will be forced to take further action, including pursuing my legal rights under the FCRA, filing additional complaints with the CFPB, and seeking legal recourse for the harm caused. \n\nThank you for your prompt attention to this matter. I look forward to a swift and thorough resolution.","date_sent_to_company":"2025-01-26T16:33:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20002","tags":null,"has_narrative":true,"complaint_id":"11779813","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-26T16:24:36.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["The lawsuit highlights <em>Experians</em> failure to <em>comply</em> with the <em>FCRA</em> by neglecting to properly investigate disputes and by reporting inaccurate information without sufficient verification. This lawsuit is an important reminder that <em>Experian</em> is under scrutiny for these very same issues, and it is imperative that my case be treated with the same urgency and <em>compliance</em>. \n\nAs stipulated under 15 U.S."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.847225,"11779813"]},{"_index":"complaint-public-v1","_id":"12018149","_score":19.751595,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax, Experian, and TransUnion for Data Breach and Potential Failure to Respond to Disputes in Compliance with FCRA To Whom It May Concern : I am filing this complaint against Equifax, Experian, and TransUnion due to : XXXX  The exposure of my personal information in the XXXX  Equifax data breach. \nXXXX. Concerns regarding the credit bureaus ' compliance with their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to disputes within the legally required XXXXday timeframe, particularly amidst ongoing lawsuits and operational challenges. \nXXXX. Equifax Data Breach In 2017, Equifax suffered a massive data breach, compromising sensitive personal information, including Social Security numbers, credit histories, and more for over XXXX million individuals. My personal data was exposed in this breach, leaving me vulnerable to identity theft, financial fraud, and other harms. \nThis breach constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( b ), which mandates financial institutions to protect the confidentiality and security of consumer information. Equifaxs failure to safeguard my information has caused significant concern and has negatively impacted my financial security.\n\nXXXX Disputes Filed with Credit Bureaus I recently filed disputes with Equifax, Experian, and TransUnion regarding inaccuracies on my credit reports. Under the FCRA, 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), credit bureaus are legally required to investigate disputes and provide a response or resolution within XXXX days. However, due to Equifaxs ongoing lawsuits and the operational challenges faced by all XXXX bureaus, I am concerned that they may not fulfill this obligation within the statutory timeframe. \nThe potential failure to comply with the FCRA undermines my rights as a consumer and exacerbates the harm already caused by the Equifax data breach. \nXXXX. Impact on Me as a Consumer As a result of the Equifax data breach and potential delays in resolving my disputes, I am facing : Increased risk of identity theft and fraud due to the exposure of my personal information. \nAnxiety and uncertainty regarding the accuracy of my credit reports. \nPotential financial harm, including higher interest rates or denial of credit, stemming from unresolved or inaccurate information on my credit reports. \nXXXX. Legal Violations The credit bureaus ' actionsor lack thereofviolate several provisions of federal law, including : XXXX. Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ( b ) ) : XXXX Equifax failed to adequately protect my sensitive information, resulting in the breach. \nXXXX. Fair Credit Reporting Act ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) ) : XXXX All XXXX bureaus are required to investigate and resolve disputes within XXXX days. I am concerned they are failing to meet this requirement. \nXXXX. FCRA Penalties for Noncompliance ( 15 U.S.C. XXXXXXXX and XXXX ) : XXXX  Willful or negligent noncompliance with the FCRA may subject the bureaus to civil liability. \nXXXX. Relief Requested I respectfully request the CFPB to take the following actions : XXXX. Investigate Equifax, Experian, and TransUnion for compliance with the FCRA regarding dispute resolution and the GLBA concerning data security. \nXXXX. Ensure that my disputes are resolved within the XXXXday statutory deadline and that I receive written communication detailing the outcomes. \nXXXX. Mandate that all three bureaus implement stronger measures to protect consumer data and prevent future breaches. \nXXXX. Impose penalties or corrective actions for any failure to comply with federal laws, as outlined under 15 U.S.C. XXXX and XXXX. \nXXXX. Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security concerns. \nXXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize timely dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a timely and accurate manner. \nThank you for your attention to this matter. I look forward to your assistance in protecting my rights as a consumer.","date_sent_to_company":"2025-02-10T20:44:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"12018149","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-10T20:43:58.000Z","state":"AL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Subject : Complaint Against Equifax, <em>Experian</em>, and TransUnion for Data Breach and Potential Failure to Respond to Disputes in <em>Compliance</em> with <em>FCRA</em> To Whom It May Concern : I am filing this complaint against Equifax, <em>Experian</em>, and TransUnion due to : XXXX  The exposure of my personal information in the XXXX  Equifax data breach. \nXXXX."]},"sort":[19.751595,"12018149"]},{"_index":"complaint-public-v1","_id":"12018115","_score":19.751595,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Complaint Against Equifax, Experian, and TransUnion for Data Breach and Potential Failure to Respond to Disputes in Compliance with FCRA To Whom It May Concern : I am filing this complaint against Equifax, Experian, and TransUnion due to : XXXX  The exposure of my personal information in the XXXX  Equifax data breach. \nXXXX. Concerns regarding the credit bureaus ' compliance with their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to disputes within the legally required XXXXday timeframe, particularly amidst ongoing lawsuits and operational challenges. \nXXXX. Equifax Data Breach In 2017, Equifax suffered a massive data breach, compromising sensitive personal information, including Social Security numbers, credit histories, and more for over XXXX million individuals. My personal data was exposed in this breach, leaving me vulnerable to identity theft, financial fraud, and other harms. \nThis breach constitutes a violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX ( b ), which mandates financial institutions to protect the confidentiality and security of consumer information. Equifaxs failure to safeguard my information has caused significant concern and has negatively impacted my financial security.\n\nXXXX Disputes Filed with Credit Bureaus I recently filed disputes with Equifax, Experian, and TransUnion regarding inaccuracies on my credit reports. Under the FCRA, 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), credit bureaus are legally required to investigate disputes and provide a response or resolution within XXXX days. However, due to Equifaxs ongoing lawsuits and the operational challenges faced by all XXXX bureaus, I am concerned that they may not fulfill this obligation within the statutory timeframe. \nThe potential failure to comply with the FCRA undermines my rights as a consumer and exacerbates the harm already caused by the Equifax data breach. \nXXXX. Impact on Me as a Consumer As a result of the Equifax data breach and potential delays in resolving my disputes, I am facing : Increased risk of identity theft and fraud due to the exposure of my personal information. \nAnxiety and uncertainty regarding the accuracy of my credit reports. \nPotential financial harm, including higher interest rates or denial of credit, stemming from unresolved or inaccurate information on my credit reports. \nXXXX. Legal Violations The credit bureaus ' actionsor lack thereofviolate several provisions of federal law, including : XXXX. Gramm-Leach-Bliley Act ( 15 U.S.C. XXXX ( b ) ) : XXXX Equifax failed to adequately protect my sensitive information, resulting in the breach. \nXXXX. Fair Credit Reporting Act ( 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ) ) : XXXX All XXXX bureaus are required to investigate and resolve disputes within XXXX days. I am concerned they are failing to meet this requirement. \nXXXX. FCRA Penalties for Noncompliance ( 15 U.S.C. XXXXXXXX and XXXX ) : XXXX  Willful or negligent noncompliance with the FCRA may subject the bureaus to civil liability. \nXXXX. Relief Requested I respectfully request the CFPB to take the following actions : XXXX. Investigate Equifax, Experian, and TransUnion for compliance with the FCRA regarding dispute resolution and the GLBA concerning data security. \nXXXX. Ensure that my disputes are resolved within the XXXXday statutory deadline and that I receive written communication detailing the outcomes. \nXXXX. Mandate that all three bureaus implement stronger measures to protect consumer data and prevent future breaches. \nXXXX. Impose penalties or corrective actions for any failure to comply with federal laws, as outlined under 15 U.S.C. XXXX and XXXX. \nXXXX. Require the credit bureaus to provide regular updates on their efforts to address consumer disputes and data security concerns. \nXXXX. Conclusion The Equifax data breach and the credit bureaus failure to prioritize timely dispute resolution represent serious violations of my rights under federal law. I seek the CFPBs immediate intervention to ensure the credit bureaus comply with their legal obligations and address my disputes in a timely and accurate manner. \nThank you for your attention to this matter. I look forward to your assistance in protecting my rights as a consumer.","date_sent_to_company":"2025-02-10T20:44:28.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"362XX","tags":null,"has_narrative":true,"complaint_id":"12018115","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-10T20:36:57.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["Subject : Complaint Against Equifax, <em>Experian</em>, and TransUnion for Data Breach and Potential Failure to Respond to Disputes in <em>Compliance</em> with <em>FCRA</em> To Whom It May Concern : I am filing this complaint against Equifax, <em>Experian</em>, and TransUnion due to : XXXX  The exposure 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