{"took":129,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":77,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12497429","_score":22.467823,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on account XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX due to a problem with the company investigating the existing situation. Did not fix the problem. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of getting a house, a car etc. Experian violates my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-03-16T00:47:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11226","tags":null,"has_narrative":true,"complaint_id":"12497429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-16T00:16:15.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I filed a dispute on account XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX due to a problem with the company investigating the existing situation. Did not fix the problem. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[22.467823,"12497429"]},{"_index":"complaint-public-v1","_id":"4325206","_score":22.094591,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This is all described in an existing open complaint, but I want to note that THIS ERRONEOUS CREDIT REPORT TRADELINE WAS UPDATED BY THE CREDITOR ON XX/XX/XXXX, AND WAS UPDATED BY EXPERIAN 'S COMPETITOR 'S XXXX AND XXXX ON XX/XX/2021. And yet here we are a month and a half later, and two complaints to CFPB later, and with it resolved ON MY CREDIT REPORT, and yet Experian claims they are still investigating. What is it that they are investigating? So I note that they have failed to complete an investigation within the 30 days required by law, in addition to LYING ABOUT DOING ANY INVESTIGATION WHATSOEVER INTO MY DISPUTED TRADELINE. Had they done any investigation, they would have updated the report on XX/XX/XXXX with the correct balance and closed notation, just like the other reporting agencies. They really are claiming to investigate and NOT INVESTIGATING. And at this point, THERE IS NOTHING TO INVESTIGATE, yet they are lying to CFPB and to me, and CFPB is allowing them to get away with it. Here 's my prior complaint on their same FAILURE TO INVESTIGATE A MINOR DISPUTED ACCOUNT TRADELINE. \n\nXXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Open Company response is in progress as of XX/XX/2021","date_sent_to_company":"2021-04-24T04:45:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"295XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4325206","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-04-24T00:35:48.000Z","state":"SC","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":["And at this point, THERE IS NOTHING TO INVESTIGATE, yet they are lying to CFPB and to me, and CFPB is allowing them to get away with it. Here 's my prior complaint on their same FAILURE TO INVESTIGATE A MINOR DISPUTED ACCOUNT TRADELINE. \n\nXXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Open Company response is in progress as of XX/XX/2021"],"issue":["Problem with a credit reporting company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Investigation took more than 30 days"]},"sort":[22.094591,"4325206"]},{"_index":"complaint-public-v1","_id":"13952518","_score":21.595158,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Regarding Repeated Violations of the Fair Credit Reporting Act ( FCRA ) Against Experian Information Solutions , Inc . Multiple Complaint IDs Listed Below To Whom It May Concern : I am writing to formally express my ongoing and serious concerns regarding the repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by Experian Information Solutions , Inc., despite numerous attempts to resolve these issues directly with the agency through multiple disputes and complaints. \n\nSince XX/XX/XXXX, I have submitted multiple complaints through the Consumer Response Portal ( CRP ), providing ample time for investigation in accordance with the law. However, the investigation outcomes reported by Experian are demonstrably inadequate. When I compared my most recent credit reports with those from previous months, I found either no corrections were made or the modifications that were made remain incorrect. This pattern has persisted for months, demonstrating a blatant disregard for the FCRA and related regulations. \n\nSpecifically, I believe Experian Information Solutions XXXX XXXX has violated the following sections of the United States Code ( XXXX XXXX ) : - XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Requirement for reasonable reinvestigation of disputed information - XXXX XXXX XXXX ( XXXX ) Notice of dispute to furnishers - XXXX XXXX XXXX ( XXXX ) Duty to correct or delete inaccurate or unverifiable information - XXXX XXXX XXXX ( b ) Duty to ensure maximum possible accuracy of information in consumer reports- XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) Duties of furnishers to investigate and report accurate information - XXXX XXXX XXXX Responsibility for correcting and updating information Below is the complete list of all complaints I have submitted to Experian through the CFPB portal, including Complaint IDs, dates submitted, and the product/issue raised in each complaint. This evidences my repeated attempts to resolve the matter : Complaint ID | Submitted Date | Product / Issue -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem The disputed accounts on my Experian credit report that require immediate deletion or correction are : - XXXX XXXX last reported XX/XX/XXXX, balance {$4500.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$7900.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$93.00} Despite these documented efforts and the legally mandated investigation periods , Experian Information Solutions, Inc. has failed to comply with federal law and has repeatedly provided inaccurate or unverifiable information on my credit reports. This failure not only harms my creditworthiness but also violates my rights as a consumer under the FCRA. \n\nI respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into Experian 's handling of my disputes, enforcement of FCRA provisions, and the accuracy of the information reported. Additionally, I request confirmation that the CFPB will hold Experian accountable for these violations and require corrective action to ensure full compliance with federal law. \n\nPlease do not hesitate to contact me if any additional information is needed. I appreciate your prompt attention to this serious matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-06-07T13:00:09.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"13952518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-07T12:56:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["'s investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem The disputed accounts on my Experian credit"],"company":["Experian Information Solutions Inc."]},"sort":[21.595158,"13952518"]},{"_index":"complaint-public-v1","_id":"11776008","_score":21.42434,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies Experian and XXXX investigating XXXX my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX down to the XXXX and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates","date_sent_to_company":"2025-01-26T23:59:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"11776008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-26T23:59:25.000Z","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":["I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies Experian and XXXX investigating XXXX my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[21.42434,"11776008"]},{"_index":"complaint-public-v1","_id":"11631341","_score":21.12447,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Incorrect information on your report - Discovered multiples different pieces information and multiple accounts on credit report that is fraudulent Unable to get your credit report or credit score - Having difficulty accessing XXXX credit report as well as others by means of their own website as well as through the annualcreditreport method to compare reports with other bureaus Problem with a company 's investigation into an existing problem - After a written dispute which included all information and material required by Experian they have refused to comply with my request for correction and investigation","date_sent_to_company":"2025-01-19T02:40:05.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"92545","tags":null,"has_narrative":true,"complaint_id":"11631341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-19T02:17:38.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem getting your free annual credit report"},"highlight":{"complaint_what_happened":["Incorrect information on your report - Discovered multiples different pieces information and multiple accounts on credit report that is fraudulent Unable to get your credit report or credit score - Having difficulty accessing XXXX credit report as well as others by means of their own website as well as through the annualcreditreport method to compare reports with other bureaus Problem with a company 's investigation into an existing problem - After a written dispute which included all information"],"company":["Experian Information Solutions Inc."],"sub_issue":["Problem getting your free annual credit report"]},"sort":[21.12447,"11631341"]},{"_index":"complaint-public-v1","_id":"11460440","_score":21.078033,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint for FCRA Violations Dear Experian, I am writing to formally file a complaint against Experian for your consistent failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681e ( b ), 15 USC 1681i ( a ), and 15 USC 1681c. Your continued negligence and failure to accurately address and rectify discrepancies within my credit report have compelled me to take this action. \n\nSpecific Violations by Experian : 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.\n\n15 USC 1681i ( a ) : Negligence in ensuring that furnishers of information comply with their obligations.\n\n15 USC 1681i ( a ) : Failure to properly reinvestigate disputes and remove inaccurate information.\n\n15 USC 1681c : Inclusion of obsolete information in my credit report. \nDespite my repeated attempts and clear documentation of errors, Experian has failed to properly investigate these disputes and, in some cases, has reinserted previously disputed errors without adequate notice as required by law. This conduct not only violates the FCRA but also poses a serious threat to my financial wellbeing. \n\nRecently, I became aware of a lawsuit initiated by the Consumer Financial Protection Bureau ( CFPB ) against Experian, accusing them of conducting sham investigations of credit report disputes. The CFPB 's lawsuit underscores systemic issues within Experian that reflect the challenges I have encountered, highlighting the failure of Experian to conduct legitimate and thorough investigations into consumer disputes. \n\nList of Disputed Accounts : XXXX XXXX XXXX XXXX ( Account No. XXXX ) : Incorrect reporting of delinquency status and balance of {$1300.00}. \nXXXX XXXX XXXX ( Account XXXX. XXXX ) : Incorrect collection status reported, balance {$1000.00}. \nXXXX XXXX ( Account XXXX. XXXX ) : Reported credit limit and charge-off amount inconsistencies, balance {$4500.00}. \nComplete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Improper use of your report XX/XX/year> - Complaint ID : XXXX - Problem with a company 's investigation into an existing problem XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report Given these unresolved issues and the severity of your non-compliance which significantly impacts my personal and financial life, I demand a thorough investigation and the immediate deletion of these inaccuracies. \n\n\nThank you for your immediate attention to this critical matter. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-01-10T10:53:43.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11460440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T10:38:28.000Z","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":["Recently, I became aware of a lawsuit initiated by the Consumer Financial Protection Bureau ( CFPB ) against Experian, accusing them of conducting sham investigations of credit report disputes. The CFPB 's lawsuit underscores systemic issues within Experian that reflect the challenges I have encountered, highlighting the failure of Experian to conduct legitimate and thorough investigations into consumer disputes. \n\nList of Disputed Accounts : XXXX XXXX XXXX XXXX ( Account No."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[21.078033,"11460440"]},{"_index":"complaint-public-v1","_id":"15646881","_score":20.149128,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX Experian Dispute Department Experian Information Solutions , Inc . \nXXXX XXXX XXXX XXXX, TX XXXX Subject : FINAL FOLLOW-UP DISPUTE Comprehensive Re-Audit ; Permanent Deletion/Blocking of Inaccurate/Unverifiable Items ; Full Method-of-Investigation ; Privacy/Permissible-Purpose ; Remove All Phone Numbers from File Dear Experian Dispute Department, I am re-submitting a comprehensive, itemized dispute and demanding full compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. This filing incorporates, verbatim, prior complaint language and adds a consolidated timeline and complaint log with dates, IDs, subjects, companies, and outcomes from the CFPB portal. You must delete any item that is inaccurate, incomplete, or can not be verified within FCRA timelines, and provide a detailed Method-of-Investigation ( MOI ) for each disputed entry. \n\nIdentity & contact Name : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX No phone number : Remove any and all telephone numbers from my file and confirm removal in writing. Do not add or infer any phone number going forward. \n\nLegal bases ( summary ) FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : reasonable procedures to assure maximum possible accuracy.\n\nFCRA 611 / 15 U.S.C. 1681i : reasonable reinvestigation ; delete/correct information that is inaccurate, incomplete, or can not be verified ; provide furnisher contact data ; upon request supply the MOI.\n\nFCRA 604 / 15 U.S.C. 1681b : permissible purpose required for inquiries ; purge any inquiry lacking a documented permissible purpose.\n\nFCRA 605 & 605B / 15 U.S.C. 1681c-2 : obsolescence limits ; identity-theft blocking upon receipt of an Identity Theft Report.\n\nGLBA ( 15 U.S.C. 6801 et seq. ), Privacy Act ( 5 U.S.C. 552a ), 26 U.S.C. 6103 : protect nonpublic personal information ; avoid unauthorized disclosure/retention. \n\n\n\nDear Sir/Madam, I am writing this letter to file a formal complaint against the three major credit reporting bureaus, XXXX, XXXX, and Experian, regarding their failure to comply with my requests for the deletion of negative unverified items on my credit report. I have experienced significant financial hardship and reputational harm due to inaccurate information that remains on my report. I have made multiple attempts to rectify the issue by formally requesting verification of the negative accounts from XXXX, XXXX, and Experian through written correspondences sent on XX/XX/XXXX, and XX/XX/XXXX. Regrettably, I did not receive the verification I requested, nor did any of the bureaus delete the unverified accounts. Therefore, I kindly request that the Consumer Financial Protection Bureau promptly investigate my complaint and take appropriate action to ensure that XXXX, XXXX, and Experian delete all negative unverified accounts from my credit report. \n\nXXXX XXXX XXXX prior results list ( pattern evidence ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaint log ( XXXX subjects companies outcomes ) XXXX Credit reporting Problem with a company 's investigation into an existing problem XXXXXXXX XXXX Filed XX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXXXXXX \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Marked as a duplicate on XX/XX/XXXX. \n\nXXXX I do not know Attempts to collect debt not owed XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Company responded. \n\nXXXX Medical debt Attempts to collect debt not owed Professional Colletors Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem EXPERIAN LEGAL XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report EXPERIAN Filed XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Improper use of your report XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed ; Feedback provided. \n\nXXXX Credit reporting Problem with a credit reporting company XXXX XXXX into an existing problem EXPERIAN Credit reporting Agency XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XXXX XXXX XXXX Filed XX/XX/XXXX Closed ; Company responded. \n\nDamages & remedies reserved : 15 U.S.C. 1681n ( willful ), 1681o ( negligent ) : actual, statutory, punitive damages, and fees/costs. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX","date_sent_to_company":"2025-09-01T16:42:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"53225","tags":null,"has_narrative":true,"complaint_id":"15646881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-01T16:29:00.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX Credit reporting Problem with a company 's investigation into an existing problem EXPERIAN LEGAL XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting Problem with a company 's investigation into an existing problem XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[20.149128,"15646881"]},{"_index":"complaint-public-v1","_id":"11002283","_score":20.00231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within XXXX business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nXXXX XXXX : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant XXXX XXXX XXXX XXXX XXXX \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-12T12:56:32.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002283","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:46:00.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Investigation took more than 30 days"]},"sort":[20.00231,"11002283"]},{"_index":"complaint-public-v1","_id":"11002238","_score":20.00231,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of Experian, XXXX, and XXXX to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/2024, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe. \nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided.\n\nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and XXXX XXXX. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:53:49.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002238","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-03T02:51:29.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Investigation took more than 30 days"]},"sort":[20.00231,"11002238"]},{"_index":"complaint-public-v1","_id":"11510758","_score":19.82848,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear Experian, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against Experian for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against Experian : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future.\n\nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:19.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510758","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-14T09:34:49.000Z","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":["Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[19.82848,"11510758"]},{"_index":"complaint-public-v1","_id":"11776009","_score":19.614815,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies XXXX and transunion investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( transunion ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX down to the XXXX and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates","date_sent_to_company":"2025-01-26T23:59:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33025","tags":null,"has_narrative":true,"complaint_id":"11776009","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-26T23:59:25.000Z","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":["I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies XXXX and transunion investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( transunion ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[19.614815,"11776009"]},{"_index":"complaint-public-v1","_id":"14925877","_score":19.142056,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute investigations : XXXX Problem with a company 's investigation into an existing problem XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your report XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed. \n\nMy disputes included : Missing hard inquiries dating from XX/XX/XXXX. \n\nIncorrect late payment notations on accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX \n\nDuplicate XXXXDepartment of Education entries showing identical opening dates, balances, and status.\n\nCredit utilization reported at 287 %, which is mathematically impossible. \n\nAn XXXX account listed as delinquent, despite being under official forbearance status, which under FCRA and CARES Act should not affect my score. \n\nI also requested a detailed explanation of Experians investigation process, including whether all evidence I submitted was forwarded to furnishers, what responses were received, and whether any dispute was deemed frivolous. Experians responses were generic confirmations of an investigation, but they did not justify why my documentation was disregarded or explain why the disputed items were never corrected.\n\nDespite submitting comprehensive evidencescreenshots, statements, forbearance letters, utilization calculationsExperian failed to update any item in my credit report.\n\nMy experience aligns with findings in the CFPBs XX/XX/XXXX lawsuit against Experian, which alleges that Experian routinely conducts sham investigations, fails to forward consumer-submitted documentation, and improperly reinserts inaccurate tradelines after they were previously disputed and removed","date_sent_to_company":"2025-07-28T18:48:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"00678","tags":null,"has_narrative":true,"complaint_id":"14925877","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-28T18:42:19.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Since XX/XX/XXXX, I have submitted seven separate complaints to the CFPB against Experian regarding inadequate dispute investigations : XXXX Problem with a company 's investigation into an existing problem XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX same issue XXXX XXXX XXXX Incorrect information on your report XXXX XXXX Each was marked Closed Company responded, but none led to correction or removal of the errors I disputed"],"company":["Experian Information Solutions Inc."],"sub_issue":["Account status incorrect"]},"sort":[19.142056,"14925877"]},{"_index":"complaint-public-v1","_id":"11002279","_score":19.117752,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint regarding the ongoing failures of XXXX, XXXX, and TransUnion to investigate and resolve disputes related to identity theft and inaccuracies on my credit reports. These unresolved complaints, some dating back as far as XX/XX/year>, violate the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and other federal consumer protection laws. The failure to act in compliance with these laws has caused me significant harm, for which I am seeking full resolution and compensation for damages incurred. \n\nDetails of Complaints XXXX Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Improper use of your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nTransUnion Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with fraud alerts or security freezes '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Closed, but no adequate resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Closed with feedback provided, but the issue persists. \nViolations of the FCRA and CFPA Failure to Investigate and Resolve Disputes Under 15 U.S.C. 1681i ( a ) ( 1 ), CRAs must investigate disputes within 30 days. Many of the complaints remain unresolved despite being well beyond this timeframe.\n\nFailure to Provide Notification of Investigation Results Under 15 U.S.C. 1681i ( a ) ( 6 ), CRAs must notify consumers of the results of investigations within 5 business days. I have not received any such notifications. \nFailure to Address Identity Theft Allegations My disputes include multiple allegations of identity theft. The failure to act on these allegations violates FCRA 605B, which requires CRAs to block information resulting from identity theft when appropriate documentation is provided. \nUnfair Practices Under the CFPA Allowing fraudulent accounts, inquiries, or inaccuracies to persist is unfair and abusive under 12 U.S.C. 5531, as it causes substantial harm without counterbalancing benefits. \n\nImpact of Delayed Action Credit Damage : The continued reporting of fraudulent and inaccurate information has resulted in a lower credit score, restricting my access to loans, housing, and other financial opportunities. \n\nEmotional Distress : The prolonged delays, uncertainty, and risks associated with unresolved identity theft claims have caused significant emotional distress and mental anguish. \n\nFinancial Harm : These unresolved disputes have affected my financial stability, including higher borrowing costs, lost opportunities, and time spent addressing the issues.","date_sent_to_company":"2024-12-03T02:50:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"11002279","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-12-03T02:50:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nExperian Complaint ID XXXX ( Submitted XX/XX/year> ) : \" Problem with a company 's investigation into an existing problem '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Investigation took more than 30 days"]},"sort":[19.117752,"11002279"]},{"_index":"complaint-public-v1","_id":"12614246","_score":18.199024,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Issue : Problem with a companys investigation into an existing problem What Happened : I am submitting this complaint due to Experians repeated failure to remove an inaccurate and unverified account from my credit report, despite multiple prior disputes over the past several months. \n\nThe account in question is : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX Status : Charge-off Reported Past Due Amount : {$11000.00} Last Updated : XX/XX/XXXX Experian continues to report this account as charged off with 9 potentially negative months, severely damaging my credit profile. I have disputed this account on at least three separate occasions, requesting verification of the debt, including signed contracts or documentation proving I opened the account. To date, Experian has failed to provide any such evidence. \nUnder the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) : Experian is required to verify disputed information within 30 days.\n\n15 U.S.C. 1681i ( a ) ( 5 ) : Any information that can not be verified must be deleted.\n\n15 U.S.C. 1681e ( b ) : Experian must maintain maximum possible accuracy. \n\nDespite these legal obligations, Experian has failed to verify or remove the XXXX account, nor have they provided any evidence that I authorized or opened this account. Their failure to act is a clear violation of federal law.","date_sent_to_company":"2025-03-22T13:41:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33141","tags":null,"has_narrative":true,"complaint_id":"12614246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-22T13:37:12.000Z","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":["Issue : Problem with a companys investigation into an existing problem What Happened : I am submitting this complaint due to Experians repeated failure to remove an inaccurate and unverified account from my credit report, despite multiple prior disputes over the past several months."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[18.199024,"12614246"]},{"_index":"complaint-public-v1","_id":"11510722","_score":17.54263,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXXXXXX XXXX XXXXXXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline. \nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510722","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-01-14T09:39:27.000Z","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":["Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.54263,"11510722"]},{"_index":"complaint-public-v1","_id":"11510721","_score":17.54263,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Investigation and Permanent Deletion of Inaccurate Entries Dear XXXX, I am writing to urgently demand the permanent deletion of inaccurate entries on my credit report that have been disputed multiple times but remain unresolved. This letter serves as a formal complaint against XXXX for persistent failures to comply with the Fair Credit Reporting Act ( FCRA ), which have significantly infringed upon my consumer rights and financial standing. \nAdverse Accounts Requiring Immediate Attention : 1. XXXX XXXX XXXX XXXX - Reported Balance : {$7900.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX XXXX. XXXX XXXX XXXX XXXX ( Second Account ) - Reported Balance : {$37000.00} ; Report Date : XX/XX/XXXX ; Status : Closed ; Account No. : XXXX Previously Disputed Accounts : XXXX XXXX Bank - Last Reported : XXXX XXXX, XXXX ; Balance : {$1300.00} ; Status : Closed ; Account No. : XXXX Source XXXX XXXX - Last Reported : XXXX XXXX, XXXX ; Balance : {$1000.00} ; Status : Needs Attention ; Account No. : XXXX Complete List of CFPB Complaints Filed Against XXXX : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report. The documented evidence of these disputes and your responses are meticulously recorded and ready to be used in legal proceedings should you fail to meet the regulatory deadline.\n\nDemands for Immediate Action : 1. Permanent Deletion of All Listed Discrepancies : Each account listed must be re-investigated and any inaccuracies found must be permanently deleted from my credit report immediately.\n\n2. Written Confirmation : I require written confirmation of each deletion and a corrected copy of my credit report upon the resolution of these issues.\n\n3. Prevention of Future Errors : Steps must be taken to prevent the recurrence of such errors in the future. \nThe statutory deadline for resolving these disputes is 15 days from the receipt of this letter. Failure to respond adequately within this timeframe will result in legal action, with all pertinent documentation provided to my legal counsel. \nThank you for your immediate attention to this critical matter. I expect your prompt and decisive action to rectify these discrepancies as per the legal requirements set by the FCRA. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX","date_sent_to_company":"2025-01-14T09:39:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"11510721","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-14T09:39:27.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Problem with a company 's investigation into an existing problem The repetitive nature of these inaccuracies and Experians refusal or inability to rectify them despite multiple disputes has left me no choice but to demand their immediate and permanent deletion from my credit report."],"issue":["Problem with a company's investigation into an existing problem"],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.54263,"11510721"]},{"_index":"complaint-public-v1","_id":"8784398","_score":17.40984,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I recently disputed this account in XXXX of XXXX, and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFIABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! \n\nAccount # XXXX - Delete this erroneous account IMMEDIATELY! \n\nSeveral problems with this account AFTER an investigation : 1. The date active is different across all three bureaus. \n\nIf EXPERIAN really did an investigation, why is the last active reporting date is XX/XX/XXXX when the account was disputed XX/XX/XXXX. It should state XX/XX/XXXX because that is the date they received the dispute and began an investigation.","date_sent_to_company":"2024-04-16T09:04:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"33142","tags":null,"has_narrative":true,"complaint_id":"8784398","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-16T08:58:57.000Z","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":["This account is not any of the above adjectives. Please delete this erroneous account immediately! \n\nAccount # XXXX - Delete this erroneous account IMMEDIATELY! \n\nSeveral problems with this account AFTER an investigation : 1. The date active is different across all three bureaus. \n\nIf EXPERIAN really did an investigation, why is the last active reporting date is XX/XX/XXXX when the account was disputed XX/XX/XXXX."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Their investigation did not fix an error on your report"]},"sort":[17.40984,"8784398"]},{"_index":"complaint-public-v1","_id":"4725964","_score":17.25846,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"During summer XXXX my wife and I filed for chapter XXXX bankruptcy. At the time of filing, I held a XXXX card w/ a XXXX-dollar balance, and my wife held a XXXX card that wasn't even activated yet. This is the only XXXX card we've ever had, and have not had one since then. Neither card was included in the creditor 's matrix in the CHXXXX discharge petition - AND THERE WAS NOTHING TO DISCHARGE. \n\nIn XXXX of XXXX I discovered that incorrect information was on my experian credit report regarding the status of this account. The status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED IN THE CHXXXX CREDITORS MATRIX. I contacted XXXX 's bankruptcy dept, and they agreed that the the status was indeed INCORRECT. They stated it should be showing a status of \" Closed by credit grantor ''. They then sent out a credit bureau update reflecting that change - the actual, factual, true status of the account.\n\n90+ days later in early XXXX, I re-applied for a new XXXX card. And, I was denied AGAIN, due to \" status of existing or prior XXXX card account ''. Viewing my experian report, I saw that once again the status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE CHXXXX CREDITORS MATRIX. After contacting the XXXX bankruptcy dept again about this, they sent out another credit bureau update to reflect the actual, factual, true status of the account. \n\nOn XX/XX/XXXX, my dispute results with experian came in - and the result was, NO CHANGE in the XXXX account status. \n\nOn XX/XX/XXXX, XXXX XXXX in the XXXX bankruptcy dept confirmed that another credit bureau update had been sent out reflecting the actual, factual, true status of \" Closed by credit grantor '' directly to experian by their credit bureau reporting team 's supervisor. On XX/XX/XXXX, Mr. XXXX confirmed the same update was also sent to experian to correct the status of my wife 's XXXX account, which was suffering from the same problem. \n\nOn XX/XX/XXXX ( 90+ days later ), I re-applied for a XXXX card. And, I was denied AGAIN, due to \" status of existing or prior XXXX card account ''. Viewing my experian report, I saw that once AGAIN the status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE CHXXXX CREDITORS MATRIX. \n\nMy wife XXXX also attempted to get a new XXXX card - but was denied AGAIN, due to \" status of existing or prior XXXX card account ''. Viewing her experian report, I saw that once AGAIN the status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE CHXXXX CREDITORS MATRIX. The card WASN'T EVEN ACTIVATED. \n\nOn XX/XX/XXXX, I opened a complaint with the CFPB about XXXX. \n\nOn XX/XX/XXXX, XXXX completed their investigation into my complaint : \" Our records confirm we are reporting your account as closed, which is a factual representation of what occured. However, we have confirmed that your account is reporting as \" included in bankruptcy '' on your experian credit report '' On XX/XX/XXXX, I spoke with XXXX in experian 's dispute department to discuss the dispute and XXXX 's CFPB complaint response. I was informed that the last update to the XXXX account status was from XX/XX/XXXX! The reason given for the persistence of this incorrect information is that my dispute wasn't done \" correctly ''. I needed to open it as an \" external '' dispute - this means Experian contacts XXXX to get updated account information. XXXX then went ahead and opened an external dispute for me. \n\nAt the end of XXXX I called experian 's dispute department back and had the same external dispute opened on behalf of my wife XXXX, who had been denied a new XXXX card AGAIN, due to \" status of existing or prior XXXX card account ''. Viewing her experian report, I saw that once AGAIN the status was incorrectly listed as \" Discharged in Chapter XXXX ''. THERE WAS NOTHING TO DISCHARGE and it WASN'T INCLUDED THE CHXXXX CREDITORS MATRIX. The card WASN'T EVEN ACTIVATED. \n\n\nOn XX/XX/XXXX I received the dispute results from experian. And they were : NO CHANGE in the XXXX account status. Proving that dealing with them as a person was what I suspected all along : a giant waste of my time. \n\nAt this time ( XX/XX/XXXX ), XXXX is blaming experian. XXXX claims they are showing the correct, true, actual, and factual status of the account- and that this issue is on experian 's end. \n\nI have tried, multiple times via the internet self-service and their dispute department 's phone line, to correct this with experian. My patience has run out, as this has dragged on for a year now. This problem is preventing my wife an I from obtaining a new credit card with XXXX and rebuilding our credit, as well as displaying a flat out LIE on our credit report for whoever pulls it to see and make an incorrect judgement on. Before involving attorneys, I thought I'd give experian one last chance via the CFPB complaint process to get it together.","date_sent_to_company":"2021-09-16T16:04:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"78046","tags":null,"has_narrative":true,"complaint_id":"4725964","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-09-16T15:12:50.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I needed to open it as an \" external '' dispute - this means Experian contacts XXXX to get updated account information. XXXX then went ahead and opened an external dispute for me. \n\nAt the end of XXXX I called experian 's dispute department back and had the same external dispute opened on behalf of my wife XXXX, who had been denied a new XXXX card AGAIN, due to \" status of existing or prior XXXX card account ''."],"company":["Experian Information Solutions Inc."],"sub_issue":["Account status incorrect"]},"sort":[17.25846,"4725964"]},{"_index":"complaint-public-v1","_id":"3961447","_score":16.943014,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"EXPERIAN FRAUDXX/XX/XXXXXXXX XXXX USED MY INFORMATION FALSELY/FRAUDULENTLY TO COLLECT STUDENT LOAN MONEY IN MY NAME AFTER I WITHDREW FROM THEIR COLLEGE TIMELY IN THE YEAR 2000. I NEVER ATTENDED THEIR COLLEGE OR RECIEVED ANY EDUCATION BENIFITS FROM THIS COLLEGE OR THE MONEYS COLLECTED BY THIS COLLEGE IN MY NAME. AS A RESULT OF THIS FRAUDULENT ACTIVITY ON THE PART OF THIS COLLEGE AND FRAUDULENT LOAN PROCEEDS THE LOAN SERVICERS OF THESE LOANS ECMC CONTINUES TO REPORT THIS FRAUDULENT LOAN TO THE CREDIT BUREAU EXPERIAN IN VIOLATION OF THE FARIDEBT CREDIT REPORTING ACT. XXXX IS A THIRD-PARTY DEBT PURCHASER WHO IS REPORTING AN OUTED FRAUDULENT DEBT FROM THE YEAR 2000. I HAVE MADE NUMEROUSE REQUESTS OF THIS THIRD-PARTY DEBT PURCHASER TO VALIDATE THE DEBT AND PROVIDE ME WITH THE ORIGINAL DEBT INSTRAMENT IN ACCORDANCE WITH THE FEDERAL DEBT COLLECTION AND REPORTING ACTS TO NO AVAIL. XXXX IS REPORTING FALSE INFORMATION THE EXPERIAN REPORTING AGENCY IN REFERENCE TO THE DATE OF LOAN ORIGINATION, DEBT AMOUNT AND OTHER FALSE INFORMATION IN VIOLATION OF FEDERAL. I HAVE PLACED EXPERIAN ON NOTICE AND REQUESTED NUMEROUSE DISPUTES OF THIS FRAUDELENT AND INACCURATE INFORMATION REPORTING TO MY CREDIT FILE AND EXPERIAN HAS REPEATEDLY REFUSED TO FOLLOW THE LAW IN THE DISPUTE PROCESS EACH TIME. EXPERIAN CONTINUE TO REPORT THIS ACCOUNT AS A OPEN ACCOUNTS AFTER 20 YEARS AND ALLOWS THIS TO MAKE MONTHLY LATE PAYMENT ACTIVITY IN MY ACCOUNT REGARDLESS OF THE FACT THAT THIS ACOUNT IS TIME BARRED UNDER FEDERAL LAW. EXPERIAN HAS ALSO ALLOWED INTERNAL TAMPERING BY ITS EMPLOYEE INTO MY CREDIT FILE WITHOUT MY CONSENT. ON MULTIPLE OCCASSIONS EXPERIAN EMPLOYEE HAS UNLOCKED MY CREDIT FILE AFTER I LOCKED IT. THEY HAVE CONTINUED TO PLACE SECURITY FREEZE ACTION ON MY ACCOUNT WITHOUT MY CONSENT, THEY HAVE PLACED LENDER SERVING REMARKS IN MY CREDIT FILE UNDER CONSUMER STATEMENT OF WHICH I DID NOT AUTHORIZE.FURHTER EXPERIAN HAS FAILED TO SCORE MY CREDIT FILE ACURATELY AS IT IS BEING REPORTED ON OTHER THIRD PARTY 3 BUREAU CREDIT FILES. I HAVE PAID FOR 3 BUREAUS CREDIT REPORTS THAT HAVE EXPERIAN SCORE REPORTING SIGNIFICANTLY HIGHER SCORE THEN WHAT IS BEING REFLECTED IN MY PAID SUBCRIPTION FROM EXPERIAN CREDIT BUREAU. THEIR ACTION HAVE RACIAL UNDER TONE AND EVIDENCE BEHAVIOR OF RACIAL PROFILING AND WELL AS FRADULENT ILLEGAL ACTS THAT ARE PROHIBITED BY LAW. I REQUEST AN INVESTIGATION INTO THESE ACTIONS.\n\nHERE IS A LIST OF ALL THE PROBLEMS I HAVE SUFFERED AT THE HANDS OF THIS CREDIT REPORTING AGENCY, AND MORE..\n\nProblem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Old information reappears under new reporting creditor name or never goes away Unable to get your credit report or credit score Improper use of your report ( shared without consent, credit inquiries from unknown sources ) THANK YOU XXXX XXXX","date_sent_to_company":"2020-11-18T18:02:08.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"45211","tags":null,"has_narrative":true,"complaint_id":"3961447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-11-18T17:41:51.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Problem with fraud alerts or security freezes ( initial 90-day, trouble placing or extending a freeze, extended, XXXX XXXX ) Problem with a credit reporting company 's investigation into an existing problem Incorrect information on your report ( wrong address, fraud, incorrectly shows account still open ) Old information reappears under new reporting creditor name or never goes away Unable to get your credit report or credit score Improper use of your report ( shared without consent, credit inquiries"],"company":["Experian Information Solutions Inc."],"sub_issue":["Account information incorrect"]},"sort":[16.943014,"3961447"]},{"_index":"complaint-public-v1","_id":"11707723","_score":16.836412,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"For several months, Experian has been unable to provide my credit file to my financial institution, XXXX XXXX XXXX XXXX, despite having accurate information such as my SSN and full name. This issue has rendered my credit applications incomplete, as XXXX XXXX relies solely on Experian to process applications and has made multiple unsuccessful attempts to pull my credit file. \n\nAlthough I can log in to Experian and view an outdated report from XX/XX/year>, I consistently receive the following error message when trying to access an updated report : Sorry, we cant show you todays report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you wont be able to see your report. \n\nMy Experian account is neither frozen nor locked, and my personal information is correct with both Experian and XXXX XXXX. I have attempted to resolve this issue by contacting Experian, disputing the problem in writing, and requesting XXXX XXXX investigate through their dispute channels with Experian. Unfortunately, these efforts have failed to resolve the problem, and I have received no actionable support from Experian. \n\nAdding to my concerns, Experian has displayed a notification warning of a data breach affecting XXXX XXXX private records. The pop-up offers free fraud alerts and states : A major data breach exposed XXXX XXXX private records. Set up a fraud alert to protect your credit report. \n\nWhile I can not confirm the exact cause of this issue, I believe it may be tied to larger security vulnerabilities, including potential cyberattacks linked to XXXX. Recent reports have highlighted state-sponsored advanced persistent threat ( XXXX XXXX groups, such as XXXX XXXX, which have targeted telecom and financial systems. Considering these risks, I am deeply concerned about Experians ability to safeguard my personal information and provide accurate, reliable credit reporting to lenders.\n\nExperians failure to provide my credit file has caused me significant financial harm and stress. Because XXXX XXXX relies solely on Experian, I have been unable to apply for credit or secure financial relief through a consolidation loan, resulting in higher interest charges on existing debt. \n\nI request a thorough investigation into this matter, including whether Experians systems have been compromised by Chinese-linked cyberattacks or other security breaches. Experian must resolve this issue, ensure my credit file is accessible to me and XXXX XXXX, and provide transparency regarding the root cause of the problem. Additionally, I urge XXXX XXXX XXXX XXXX to be informed of the situation, as other members may also be affected. \n\nThank you for your attention to this serious matter.","date_sent_to_company":"2025-01-24T03:30:03.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"936XX","tags":null,"has_narrative":true,"complaint_id":"11707723","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T02:42:04.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["I have attempted to resolve this issue by contacting Experian, disputing the problem in writing, and requesting XXXX XXXX investigate through their dispute channels with Experian. Unfortunately, these efforts have failed to resolve the problem, and I have received no actionable support from Experian. \n\nAdding to my concerns, Experian has displayed a notification warning of a data breach affecting XXXX XXXX private records."],"company":["Experian Information Solutions Inc."],"sub_issue":["Other problem getting your report or credit score"]},"sort":[16.836412,"11707723"]},{"_index":"complaint-public-v1","_id":"4621608","_score":16.609346,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This morning I did a search of my credit files and scores. I received feedback of XXXX from Experian, With that in mind I sought out a loan only to validate with the bank my score was in the mid XXXX range. { OH they use a different calculation ] more scam! More $ $ $ $ or declined and put into financial bondage. Furthermore disputed items were still on the report as example XXXX XXXX XXXX and other disputes did NOT have the commentary which THEY claim I can make, Needless to say I will now get a DROP because I was unable to secure lending.with that XXXX rate. Now there are XXXX reports this year alone opened and NONE, ZERO, NADA RESOLVED. Forget the hundreds more from prior years or that the sample are merely my wife 's and none of mine.. So by opinion of works you can only send letters and close accounts. Anyone reading any of these will find NO resolution because the Bureaus can not. They can only make excuses and whatever the bank or lender states is gospel and the consumer the problem. As for you the CFPB shame on you ... .you carry a heavy chain throughout life and have no real care or concern- did the checks come in? \n\nNeed some- Submit a Complaint Your complaints XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Open Sent to company XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Open Sent to company XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Credit monitoring or identity theft protection services XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Open Company response is in progress as of XX/XX/2021 XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Company responded XXXX I do not know False statements or representation XXXX XXXX XXXX XX/XX/2021 Closed Sent to Regulator FTC XXXX I do not know False statements or representation XXXX XXXX XXXX XXXX XX/XX/2021 Open Sent to Company XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Company responded XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Marked as a duplicate complaint on XX/XX/2021 XXXX Checking account Problem with a lender or other company charging your account XXXX XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed XXXX XXXX XXXX Checking account Problem with a lender or other company charging your account XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX XXXX XXXX , XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Company responded Page number out of 17 total pages of 17","date_sent_to_company":"2021-08-11T17:32:37.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"346XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"4621608","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-08-11T17:06:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report EXPERIAN XX/XX/2021 Closed Feedback provided XXXX Credit reporting Incorrect information on your report XXXX XX/XX/2021 Closed Company responded XXXX Credit reporting Incorrect information on your report XXXX XX"],"company":["Experian Information Solutions Inc."]},"sort":[16.609346,"4621608"]},{"_index":"complaint-public-v1","_id":"14073446","_score":16.123344,"_source":{"product":"Checking or savings account","complaint_what_happened":"Company : Experian Product : Credit reporting Issue : Improper use of my report / Problem with a credit reporting companys investigation into an existing problem Consumer Complaint Narrative : On or around XX/XX/year>, Experian unlawfully debited {$29.00} from my XXXX debit-linked account after I had already canceled their services. My debit card was locked at the time of the transaction. This debit was not authorized and no confirmation or service access was provided in return. The charge was processed after several failed attempts, despite my cancellation and revocation of authorization. \n\nI have made multiple attempts to resolve this with Experian over the last month, yet the {$29.00} has not been refunded, and I have received no investigation results, no billing breakdown, and no formal acknowledgement of the error. \n\nTo make matters worse, I am now experiencing what appears to be SSN-based suppression from Experians support system. I am unable to access a live agent through any methodphone, web chat, or portal. Each attempt is blocked, redirected, or terminated. In contrast, when my wife called the same number and entered her personal information, she was connected to a live agent within minutes. \n\nThis appears to be a form of automated retaliation or redlining against me as a consumer who has submitted numerous disputes and regulatory complaints. This denial of service access violates my rights under the Fair Credit Reporting Act ( FCRA ), including : My right to access my file ( 15 U.S.C. 1681g ) My right to dispute and reinvestigate errors ( 15 U.S.C. 1681i ) Additionally, the unauthorized debit is governed under the Electronic Fund Transfer Act ( EFTA ), and Experian failed to comply with : 15 U.S.C. 1693e ( a ) Prohibition against unauthorized electronic fund transfers 12 CFR 1005.10 and 1005.11 Proper authorization and dispute resolution procedures I am now in a financial position where this {$29.00} loss has directly impacted my ability to secure credit or cover essential bills. Despite having a favorable credit score, I have been locked out of services, and Experians failure to actor even provide supporthas materially harmed me.\n\nRequested resolution : Immediate refund of the {$29.00} unauthorized debit Written investigation findings and refund breakdown Restoration of full account and agent access Federal enforcement action for violations of the FCRA and EFTA This complaint is submitted in good faith and under lawful standing. I request immediate regulatory review and resolution.","date_sent_to_company":"2025-06-13T10:59:03.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"14073446","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-13T10:45:55.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Company : Experian Product : Credit reporting Issue : Improper use of my report / Problem with a credit reporting companys investigation into an existing problem Consumer Complaint Narrative : On or around XX/XX/year>, Experian unlawfully debited {$29.00} from my XXXX debit-linked account after I had already canceled their services. My debit card was locked at the time of the transaction. This debit was not authorized and no confirmation or service access was provided in return."],"product":["Checking or savings account"],"issue":["Problem with a lender or other company charging your account"],"company":["Experian Information Solutions Inc."],"sub_product":["Checking account"]},"sort":[16.123344,"14073446"]},{"_index":"complaint-public-v1","_id":"8074660","_score":16.046795,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I sent a letter out XX/XX/2023 to Experian, XXXX and XXXX. Here are my certified mail return receipt tracking numbers. [ XXXX XXXX ], [ XXXX XXXX ], [ Experian-XXXX ] and I have attached a PDF with copies of the green certified mail return receipt card to this complaint. \nHowever, it's been more than 30 days and the credit bureaus failed to send my investigation back. This does not make any sense. \nI thought they were bound by the reference below to maintain the completeness or accuracy of any item on my credit report. \n15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. \nIn the letter I sent, the below accounts on my credit report were being disputed. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts should be permanently deleted from my credit report. \nI have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation. I have provided all dates and complaint numbers below as they would paint the picture of the credit bureaus having no regard for the laws they are governed by as you can see the data in the referenced complaints below. \nXXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX SINCE THEY HAVE ALREADY GONE PAST 30 DAYS ON THEIR RESPONSE TO ME MULTIPLE TIMES AS DOCUMENTED ABOVE... AND CONTINUE TO NOT REPORT ACCURATE INFORMATION, THEY NEED TO RESPOND TO THIS COMPLAINT WITHIN 24 HOURS WITH THEIR RESOLUTION OR DELETE THESE ITEMS FROM MY CREDIT REPORT.","date_sent_to_company":"2023-12-28T22:57:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91773","tags":null,"has_narrative":true,"complaint_id":"8074660","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-28T22:57:08.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["I have since made multiple attempts through complaints with the CFPB at informing the credit bureaus of improper use of my credit report and that there is a Problem with a credit reporting company 's investigation into an existing problem. On more than one occasion the credit bureaus where I filed a complaint with the CFPB took significantly longer than 30 days to complete their own investigation."],"issue":["Problem with a company's investigation into an existing problem"],"company":["Experian Information Solutions Inc."],"sub_issue":["Investigation took more than 30 days"]},"sort":[16.046795,"8074660"]},{"_index":"complaint-public-v1","_id":"3433153","_score":15.916475,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"THIS COMPLAINT IS IN REGARD TO INACCURATE INFORMATION EXISTING ON MY EXPERIAN CREDIT REPORT. THIS COMPLAINT IS AGAINST EXPERIAN AT THIS TIME.\n\nThis is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.\n\nEXPERIAN provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. EXPERIAN regularly furnishes consumer credit reports to Creditors electronically. EXPERIAN is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers.\n\nEXPERIAN routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified EXPERIAN at the address specified for such disputes that EXPERIAN is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the EXPERIAN S Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously.\n\nEXPERIAN has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to EXPERIAN. EXPERIAN receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on EXPERIAN S website.\n\nPursuant to Section 623 ( b ) ( 1 ) of the FCRA, EXPERIAN, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is EXPERIAN s policy and practice only to compare the name, social security number, date of birth, and address in EXPERIAN s computer database with the information provided on ACDV forms. Where three of the four items match, EXPERIAN will report to the Consumer that it has verified the information it furnished as accurate. It is EXPERIAN s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because EXPERIAN collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.\n\nIn disputes involving identity theft or fraud allegations, EXPERIAN s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, EXPERIAN will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, EXPERIAN continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted EXPERIAN at the address specified by EXPERIAN to dispute information furnished by EXPERIAN to a Creditor and to notify EXPERIAN that the information is inaccurate.\n\nIn numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).","date_sent_to_company":"2019-11-08T21:56:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"76039","tags":"Servicemember","has_narrative":true,"complaint_id":"3433153","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-11-08T21:39:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["In disputes involving identity theft or fraud allegations, EXPERIAN s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, EXPERIAN will verify the previously reported information without conducting any investigation prior to such verification."],"company":["Experian Information Solutions Inc."],"sub_issue":["Account information incorrect"]},"sort":[15.916475,"3433153"]},{"_index":"complaint-public-v1","_id":"8864572","_score":15.667448,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because experian is reporting truth, or that they make things hard to dispute, they simply don't put one ounce of effort in from the bottom to the highest person I've spoken with at their company. \nI have decided to just give up on trying. \nI spent the last 2 weeks on the phone calling creditors with a restoration specialist, XXXX XXXX. Nearly all day from XXXX XXXX to XXXX XXXX, calling and sitting through the things that I do on a daily basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from experian. The first time i've had any shred of hope at all. \nAfter we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a couple of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a ton of things. I felt like I was maybe going to make it out of this alright. \nIm sitting up at midnight looking at my credit report because I can't sleep like usual. I see that every single one of the disputes she submitted were ruled \" unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a day or two later. So now they are simply referencing their lazy effort from months ago, and saying \" we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single day. But I want this to be read, so I'll just say that on the first page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single one of them has happened nearly every single day since XXXXXXXX XXXX : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or credit score Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? \n\nProblem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised","date_sent_to_company":"2024-04-26T07:12:04.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"85225","tags":null,"has_narrative":true,"complaint_id":"8864572","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-04-26T06:51:41.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive services that were advertised"},"highlight":{"complaint_what_happened":["freezes Problem with a company 's investigation into an existing problem Which best describes your problem?"],"company":["Experian Information Solutions 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