{"took":96,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":99,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11742875","_score":19.91112,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute on XX/XX/year> on XXXX, XXXX XXXX  XXXX  due to a problem with the company 's investigation into an existing problem. The investigation did not fix the error on my report. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company 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 this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-01-25T01:31:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21043","tags":null,"has_narrative":true,"complaint_id":"11742875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-25T00:48:20.000Z","state":"MD","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 XX/XX/year> on XXXX, XXXX XXXX  XXXX  due to a <em>problem</em> with the company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>. The <em>investigation</em> did not fix the error on my report. <em>Experian</em> denied to follow up with the <em>investigation</em>. I recently was notified that CFPB has filed a lawsuit against the company <em>Experian</em>. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.91112,"11742875"]},{"_index":"complaint-public-v1","_id":"13952518","_score":19.80415,"_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":["into an <em>existing</em> <em>problem</em> XXXX | XX/XX/XXXX | <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> 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 | <em>Problem</em> with a company"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.80415,"13952518"]},{"_index":"complaint-public-v1","_id":"4325206","_score":19.755444,"_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 <em>INVESTIGATE</em>, 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 <em>INVESTIGATE</em> A MINOR DISPUTED ACCOUNT TRADELINE. \n\nXXXX XXXX XXXX XXXX Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>EXPERIAN</em> XX/XX/2021 Open Company response is in progress as of XX/XX/2021"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[19.755444,"4325206"]},{"_index":"complaint-public-v1","_id":"12497429","_score":19.618158,"_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 <em>problem</em> with the company <em>investigating</em> the <em>existing</em> situation. Did not fix the <em>problem</em>. <em>Experian</em> denied to follow up with the <em>investigation</em>. I recently was notified that CFPB has filed a lawsuit against <em>Experian</em>. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.618158,"12497429"]},{"_index":"complaint-public-v1","_id":"3321391","_score":19.349346,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX**","date_sent_to_company":"2019-07-28T06:18:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32967","tags":null,"has_narrative":true,"complaint_id":"3321391","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-07-28T02:11:08.000Z","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 issue is an <em>existing</em> <em>problem</em> which <em>Experian</em> wasn't able to resolve.. Their <em>investigation</em> did not fix the account. They said they have verified it but did not give details on how their <em>investigation</em> went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX**"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.349346,"3321391"]},{"_index":"complaint-public-v1","_id":"3106517","_score":19.30298,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX   XXXX","date_sent_to_company":"2018-12-20T06:17:24.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"76708","tags":null,"has_narrative":true,"complaint_id":"3106517","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-12-20T06:11:36.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This issue is an <em>existing</em> <em>problem</em> which <em>Experian</em> wasn't able to resolve.. Their <em>investigation</em> did not fix the account. They said they have verified it but did not give details on how their <em>investigation</em> went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX   XXXX"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.30298,"3106517"]},{"_index":"complaint-public-v1","_id":"3321413","_score":19.280022,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This issue is an existing problem which XXXX, Experian and XXXX  weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX****","date_sent_to_company":"2019-07-28T07:45:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"83702","tags":null,"has_narrative":true,"complaint_id":"3321413","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2019-07-28T03:45:51.000Z","state":"ID","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 issue is an <em>existing</em> <em>problem</em> which XXXX, <em>Experian</em> and XXXX  weren't able to resolve.. Their <em>investigation</em> did not fix the account. They said they have verified it but did not give details on how their <em>investigation</em> went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX****"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.280022,"3321413"]},{"_index":"complaint-public-v1","_id":"11631341","_score":18.769236,"_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":["and material required by <em>Experian</em> they have refused to comply with my request for correction and <em>investigation</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Problem</em> getting your free annual credit report"]},"sort":[18.769236,"11631341"]},{"_index":"complaint-public-v1","_id":"11776008","_score":18.643608,"_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 <em>problem</em> with the companies <em>Experian</em> and XXXX <em>investigating</em> XXXX my <em>existing</em> <em>problem</em> and denied to follow up with the <em>investigation</em>. I recently was notified that CFPB has filed a lawsuit against the company ( <em>experian</em> ) ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.643608,"11776008"]},{"_index":"complaint-public-v1","_id":"11460440","_score":18.442274,"_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":["Complete List of Complaints Filed : XX/XX/year> - Complaint ID : XXXX - Incorrect information on your report XX/XX/year> - Complaint ID : XXXX - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XX/XX/year> - Complaint ID : XXXX - <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> 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"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.442274,"11460440"]},{"_index":"complaint-public-v1","_id":"15646881","_score":18.425394,"_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 <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>EXPERIAN</em> LEGAL XXXX XX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded. \n\nXXXX Credit reporting <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> XXXX XXXX XXXX XXXXXX/XX/XXXX Closed ; Company responded."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.425394,"15646881"]},{"_index":"complaint-public-v1","_id":"6262136","_score":18.164082,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This enrty below was submitted thru your portal and the sent to Experian, I called them and they said they never recieved it. We both Know this a stall tactic or lie. I expect you to hold the accountable for violating my rights and now have the information removed since they did not comply with my reqest. \n\nXXXX XXXX XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem EXPERIAN XX/XX/2022 Open Company response is in progress as of XX/XX/2022 The never did anythong and said they never ecieved this. \n\nI am resending a new request but want this file deleted for non complincy with in the 30 day period","date_sent_to_company":"2022-11-30T18:01:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85260","tags":null,"has_narrative":true,"complaint_id":"6262136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-11-30T17:51:10.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX Credit reporting <em>Problem</em> with a credit reporting company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> <em>EXPERIAN</em> XX/XX/2022 Open Company response is in progress as of XX/XX/2022 The never did anythong and said they never ecieved this. \n\nI am resending a new request but want this file deleted for non complincy with in the 30 day period"],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.164082,"6262136"]},{"_index":"complaint-public-v1","_id":"11002283","_score":17.990887,"_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> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution. \n<em>Experian</em> Complaint ID XXXX ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.990887,"11002283"]},{"_index":"complaint-public-v1","_id":"11002238","_score":17.990887,"_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 ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution. \n<em>Experian</em> Complaint ID XXXX ( Submitted XX/XX/2024 ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/2024 ) : \" Incorrect information on your report '' Open, no resolution."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.990887,"11002238"]},{"_index":"complaint-public-v1","_id":"13994567","_score":17.416565,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"CFPB Complaint Sample Credit Report Access Blocked by Experian Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : Problem with a credit reporting companys investigation into an existing problem What is your complaint about? \nI am unable to access my Experian credit report or contact their customer support. Experian is reporting information on my credit file, yet they have restricted my access unless I become a paid member, which is both unethical and possibly unlawful. \n\nI attempted to use their online portal, including XXXX, but the report is inaccessible and I received an error message. I also tried calling their customer service number, but it automatically disconnects me after directing me to try again later. \n\nAt this point, I am being denied my legal right to access and review the information being reported about me, and I have no way of verifying its accuracy or disputing errors.","date_sent_to_company":"2025-06-10T18:51:13.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"751XX","tags":null,"has_narrative":true,"complaint_id":"13994567","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-10T18:47:18.000Z","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":["CFPB Complaint Sample Credit Report Access Blocked by <em>Experian</em> Complaint Type : Credit reporting, credit repair services, or other personal consumer reports Sub-category : <em>Problem</em> with a credit reporting companys <em>investigation</em> into an <em>existing</em> <em>problem</em> What is your complaint about? \nI am unable to access my <em>Experian</em> credit report or contact their customer support."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.416565,"13994567"]},{"_index":"complaint-public-v1","_id":"11510758","_score":17.37383,"_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":[". : XXXX Complete List of CFPB Complaints Filed Against <em>Experian</em> : Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Incorrect information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> Complaint ID XXXX - Date : XX/XX/XXXX - Issue : Improper use of your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue :"],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.37383,"11510758"]},{"_index":"complaint-public-v1","_id":"5414707","_score":17.31501,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have submitted too many complaints with CFPB regarding my issues with Experian. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. Experian then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with Experians investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX  is suppose to have came with {$1.00} Million in Identity Theft Insurance - my information was sold to the dark web and Experian did nothing. My phone number was sold to the dark web and Experian did nothing. My email address was sold to the dark web and Experian did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.","date_sent_to_company":"2022-04-06T19:47:30.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"5414707","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-04-06T17:05:27.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["I have submitted too many complaints with CFPB regarding my issues with <em>Experian</em>. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. <em>Experian</em> then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a <em>problem</em> with <em>Experians</em> <em>investigations</em> into <em>existing</em> ongoing <em>problems</em>."],"issue":["<em>Problem</em> with a credit reporting company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[17.31501,"5414707"]},{"_index":"complaint-public-v1","_id":"9384850","_score":17.228664,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including Experian, XXXX, and XXXX. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). \nAs stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nFurthermore, I have received confirmation from the Bankruptcy Court, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the bankruptcy information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX XXXX XXXX immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.","date_sent_to_company":"2024-06-29T21:32:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"152XX","tags":null,"has_narrative":true,"complaint_id":"9384850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-06-29T21:19:11.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. \nCFPB Complaint XXXX : Credit reporting, <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em>, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[17.228664,"9384850"]},{"_index":"complaint-public-v1","_id":"11002279","_score":17.102238,"_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> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution. \n<em>Experian</em> Complaint ID XXXX ( Submitted XX/XX/year> ) : \" <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> '' Open, no resolution. \nComplaint ID XXXX ( Submitted XX/XX/year> ) : \" Incorrect information on your report '' Open, no resolution."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[17.102238,"11002279"]},{"_index":"complaint-public-v1","_id":"11776009","_score":16.836565,"_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 <em>problem</em> with the companies XXXX and transunion <em>investigating</em> into my <em>existing</em> <em>problem</em> and denied to follow up with the <em>investigation</em>. I recently was notified that CFPB has filed a lawsuit against the company ( <em>experian</em> ) ( transunion ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[16.836565,"11776009"]},{"_index":"complaint-public-v1","_id":"14925877","_score":16.250818,"_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 <em>Experian</em> regarding inadequate dispute <em>investigations</em> : XXXX <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> 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":["<em>Experian</em> Information Solutions Inc."]},"sort":[16.250818,"14925877"]},{"_index":"complaint-public-v1","_id":"2601467","_score":16.000454,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have disputed wrong information on my experian credit report I keep getting emails the results are ready to view I put in the report number XXXX ( 1 ) I answered for my social security number dob and tried to view the results this is not the first time this has happened. I ca n't review the results from the investigation I keep getting a message that they ca n't allow me to view the results of the investigation and I need to call the XXXX number they provide. Like I mentioned earlier this is not the first time this has happened. How am I suppose to find out what the outcome is when they wo n't allow me to view I feel games are being played here because I have sought legal advise to this existing problem","date_sent_to_company":"2017-08-11T04:57:17.000Z","issue":"Unable to get your credit report or credit score","sub_product":"Credit reporting","zip_code":"117XX","tags":null,"has_narrative":true,"complaint_id":"2601467","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-08-11T04:46:31.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Other problem getting your report or credit score"},"highlight":{"complaint_what_happened":["How am I suppose to find out what the outcome is when they wo n't allow me to view I feel games are being played here because I have sought legal advise to this <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Other <em>problem</em> getting your report or credit score"]},"sort":[16.000454,"2601467"]},{"_index":"complaint-public-v1","_id":"12614246","_score":15.369518,"_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 : <em>Problem</em> with a companys <em>investigation</em> into an <em>existing</em> <em>problem</em> What Happened : I am submitting this complaint due to <em>Experians</em> repeated failure to remove an inaccurate and unverified account from my credit report, despite multiple prior disputes over the past several months."],"issue":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.369518,"12614246"]},{"_index":"complaint-public-v1","_id":"5520398","_score":15.368284,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My complaint is about the three credit bureaus : XXXX, Experian, XXXX The three bureaus do not have good communication with each other like they used to. \nIn summary, I made a fraud alert at Experian, but they failed to communicate this to the other two credit bureaus like they used to do. \n\nOn XX/XX/2022 I called Experian ( XXXX ) to make a fraud alert via automated voice system. \nThe system gave me confirmation # XXXX and said they will notify the other two credit bureaus and send a letter of confirmation. \nI did receive a letter ( postcard ) from Experian about 10 days later as expected. \n\nHowever I did not receive a letter of confirmation from the other two credit bureaus. That is the problem. \nOn XX/XX/2022, I called the other two bureaus and made fraud alerts via automated systems. \nBoth systems let me the make fraud alerts, and did not say anything about existing fraud alerts. This confirms the problem. \n\nWould you please investigate and take action. \nSpecifically, I would like you to require the three credit bureaus to place fraud alerts and send letters of confirmation within a reasonable time frame, no matter which bureau I make the fraud alert with. \n\nI always use their voice automated systems ; not sure I trust their websies No American should fall victim to fraud due to the credit bureaus shoddy work. \nI take great pride having exacting standards of my personal finance.\n\nI am asking you to hold these three credit bureaus to the same standards","date_sent_to_company":"2022-04-30T03:05:00.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"940XX","tags":"Servicemember","has_narrative":true,"complaint_id":"5520398","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-04-30T02:39:54.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I did receive a letter ( postcard ) from <em>Experian</em> about 10 days later as expected. \n\nHowever I did not receive a letter of confirmation from the other two credit bureaus. That is the <em>problem</em>. \nOn XX/XX/2022, I called the other two bureaus and made fraud alerts via automated systems. \nBoth systems let me the make fraud alerts, and did not say anything about <em>existing</em> fraud alerts. This confirms the <em>problem</em>. \n\nWould you please <em>investigate</em> and take action."],"issue":["<em>Problem</em> with fraud alerts or security freezes"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[15.368284,"5520398"]},{"_index":"complaint-public-v1","_id":"11510722","_score":15.092028,"_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":["information on your report Complaint ID XXXX - Date : XX/XX/XXXX - Issue : <em>Problem</em> with a company 's <em>investigation</em> into an <em>existing</em> <em>problem</em> The repetitive nature of these inaccuracies and <em>Experians</em> 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":["<em>Problem</em> with a company's <em>investigation</em> <em>into</em> an <em>existing</em> <em>problem</em>"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[15.092028,"11510722"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":99,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":99}]}},"product":{"doc_count":99,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":60,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":60}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":33,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":32},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Debt collection","doc_count":4,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":2},{"key":"Other debt","doc_count":2}]}},{"key":"Checking or savings account","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":1}]}},{"key":"Mortgage","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"VA mortgage","doc_count":1}]}}]}},"issue":{"doc_count":99,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with a company's investigation into an existing problem","doc_count":38,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":22},{"key":"Investigation took more than 30 days","doc_count":11},{"key":"Problem with personal statement of dispute","doc_count":5}]}},{"key":"Incorrect information on your report","doc_count":23,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Information belongs to someone else","doc_count":7},{"key":"Account information incorrect","doc_count":6},{"key":"Account status incorrect","doc_count":6},{"key":"Information is missing that should be on the report","doc_count":3},{"key":"Old information reappears or never goes away","doc_count":1}]}},{"key":"Problem with a credit reporting company's investigation into an existing problem","doc_count":18,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Their investigation did not fix an error on your report","doc_count":12},{"key":"Investigation took more than 30 days","doc_count":2},{"key":"Was not notified of investigation status or results","doc_count":2},{"key":"Difficulty submitting a dispute or getting information about a dispute over the phone","doc_count":1},{"key":"Problem with personal statement of dispute","doc_count":1}]}},{"key":"Credit monitoring or identity theft protection services","doc_count":6,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive services that were advertised","doc_count":6}]}},{"key":"Improper use of your report","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Reporting company used your report improperly","doc_count":2},{"key":"Received unsolicited financial product or insurance offers after opting out","doc_count":1}]}},{"key":"Took or threatened to take negative or legal action","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Collected or attempted to collect exempt funds","doc_count":1},{"key":"Seized or attempted to seize your property","doc_count":1},{"key":"Threatened or suggested your credit would be damaged","doc_count":1}]}},{"key":"Unable to get your credit report or credit score","doc_count":3,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Other problem getting your report or credit score","doc_count":2},{"key":"Problem getting your free annual credit report","doc_count":1}]}},{"key":"Problem with fraud alerts or security freezes","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},{"key":"Problem with a lender or other company charging your account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Transaction was not authorized","doc_count":1}]}},{"key":"Trouble during payment process","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Payment process","doc_count":1}]}},{"key":"Written notification about debt","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Didn't receive enough information to verify debt","doc_count":1}]}}]}},"timely":{"doc_count":99,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":99}]}},"company_response":{"doc_count":99,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":77},{"key":"Closed with non-monetary relief","doc_count":21},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":99,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":99}]}},"company":{"doc_count":99,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Experian Information Solutions Inc.","doc_count":71},{"key":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","doc_count":13},{"key":"EQUIFAX, INC.","doc_count":11},{"key":"Portfolio Recovery Associates, LLC","doc_count":1},{"key":"RUSHMORE LOAN MANAGEMENT SERVICES LLC","doc_count":1},{"key":"Security Credit Services, LLC","doc_count":1},{"key":"Shellpoint Partners, LLC","doc_count":1}]}},"state":{"doc_count":99,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":15},{"key":"FL","doc_count":13},{"key":"GA","doc_count":12},{"key":"LA","doc_count":10},{"key":"TX","doc_count":9},{"key":"AZ","doc_count":7},{"key":"IL","doc_count":3},{"key":"MO","doc_count":3},{"key":"NY","doc_count":3},{"key":"VA","doc_count":3},{"key":"MD","doc_count":2},{"key":"MS","doc_count":2},{"key":"NC","doc_count":2},{"key":"PA","doc_count":2},{"key":"SC","doc_count":2},{"key":"TN","doc_count":2},{"key":"WA","doc_count":2},{"key":"AL","doc_count":1},{"key":"CO","doc_count":1},{"key":"ID","doc_count":1},{"key":"MA","doc_count":1},{"key":"OH","doc_count":1},{"key":"PR","doc_count":1},{"key":"WI","doc_count":1}]}},"company_public_response":{"doc_count":99,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":85}]}},"tags":{"doc_count":99,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":19},{"key":"Older American","doc_count":2},{"key":"Older American, Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{"2":[15.093312,"11510722"],"3":[11.781616,"8747835"],"4":[7.60084,"15340827"]}}}