{"took":286,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1197,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"13047091","_score":20.991894,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"After reviewing my credit report, I noticed inaccurate information on my Experian credit report. There are over XXXX accounts that are not showing on my Experian credit report that have reported to Experian. I believe that Experian should conduct an internal audit to correct these inaccuracies. The failure to report these accounts have damaged my credit reports and reputation with other lenders due to the failure of Experian. This is not a problem that i caused. this is an issue within the company. I have reached out to the lenders and the lenders have stated that they have reported monthly to the Experian credit bureau. please investigate these matters and correct my credit report","date_sent_to_company":"2025-04-17T12:30:24.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30078","tags":"Servicemember","has_narrative":true,"complaint_id":"13047091","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-17T11:48:28.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is missing that should be on the report"},"highlight":{"complaint_what_happened":["After reviewing my credit report, I noticed <em>inaccurate</em> <em>information</em> on my <em>Experian</em> credit report. There are <em>over</em> XXXX accounts that are not showing on my <em>Experian</em> credit report that have reported to <em>Experian</em>. I believe that <em>Experian</em> should conduct an internal audit to <em>correct</em> these inaccuracies. The <em>failure</em> to report these accounts have damaged my credit reports and reputation with other lenders due to the <em>failure</em> of <em>Experian</em>."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> is missing that should be on the report"]},"sort":[20.991894,"13047091"]},{"_index":"complaint-public-v1","_id":"12636327","_score":20.436222,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Understood. Here 's a concise, paragraph-format CFPB complaint against Experian, incorporating the details you've provided : Subject : Complaint Against Experian for Repeated Failure to Investigate Dispute and Resulting Mortgage Denial I am filing a complaint against Experian for their persistent failure to conduct a reasonable investigation into inaccurate information on my credit report, specifically regarding ten 90-day late payments on a XXXX loan from the University of XXXX XXXXXXXX XXXX XXXX showing up on XXXX and XXXX reports. Despite providing Experian with a letter directly from the University of XXXX  XXXX XXXX XXXX in XX/XX/year> confirming their reporting errors, Experian has repeatedly failed to correct this information. This has directly resulted in the denial of my mortgage application and caused significant financial and emotional distress. I have disputed this inaccurate account seven times over the past year, and Experian continues to disregard the evidence provided. I request that the CFPB conduct a thorough investigation, require Experian to immediately correct the inaccurate information, take appropriate enforcement action, and seek restitution for damages incurred. Supporting documents, including the letter from the University of XXXX XXXX XXXX XXXX and the mortgage denial letter, are attached.","date_sent_to_company":"2025-03-25T15:32:25.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"12636327","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-25T15:23:57.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Here 's a concise, paragraph-format CFPB complaint against <em>Experian</em>, incorporating the details you've provided : Subject : Complaint Against <em>Experian</em> for Repeated <em>Failure</em> to <em>Investigate</em> Dispute and Resulting Mortgage Denial I am filing a complaint against <em>Experian</em> for their persistent <em>failure</em> to conduct a reasonable <em>investigation</em> into <em>inaccurate</em> <em>information</em> on my credit report, specifically regarding ten 90-day late payments on a XXXX loan from the University of XXXX XXXXXXXX XXXX XXXX showing up"],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."]},"sort":[20.436222,"12636327"]},{"_index":"complaint-public-v1","_id":"12432153","_score":20.415491,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for its repeated failure to properly investigate and correct an inaccurate public record on my credit report. The record in question, XXXX XXXX XXXXXXXX XXXX XXXX  has been disputed over seven times, yet Experian continues to send stall letters and ultimately claims : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute.\n\nThis response is unacceptable and demonstrates Experians failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. \n\nI have formally requested the following from Experian : The method of verification used to confirm this record. \nThe source of information, including the name and contact details of the entity that verified the record. \nA copy of the investigation results and documents reviewed. \n\nExperian has failed to provide this information. Furthermore, I have submitted official documentation from XXXX XXXX XXXXXXXX XXXX XXXX  stating that they DO NOT report to any credit bureaus. Despite this, Experian continues to verify the inaccurate information without providing legitimate proof of their verification process. \n\nThis repeated failure to investigate and correct the issue is a violation of my rights under the FCRA. I request that the Consumer Financial Protection Bureau intervene and hold Experian accountable. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX","date_sent_to_company":"2025-03-12T10:32:45.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"48209","tags":null,"has_narrative":true,"complaint_id":"12432153","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-12T10:12:46.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing this complaint against <em>Experian</em> for its repeated <em>failure</em> to properly <em>investigate</em> and <em>correct</em> an <em>inaccurate</em> public record on my credit report. The record in question, XXXX XXXX XXXXXXXX XXXX XXXX  has been disputed <em>over</em> seven times, yet <em>Experian</em> continues to send stall letters and ultimately claims : The company that reported the <em>information</em> has certified to <em>Experian</em> that the <em>information</em> is accurate. This item was not changed as a result of our processing of your dispute."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing issue"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.415491,"12432153"]},{"_index":"complaint-public-v1","_id":"11699319","_score":20.332087,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Request for Investigation of Potential FCRA and FDCPA Violations by XXXX XXXX XXXX XXXX and Experian 's Failure to Correct Inaccurate Information To Whom It May Concern, I am writing to request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX. I am also requesting an investigation into Experian 's failure to correct inaccurate information after I disputed it and provided supporting documentation.\n\nMy Experian credit report shows two collection accounts attributed to XXXX XXXX XXXX XXXX, both starting with the same partial account number : XXXX. One account reflects a balance of {$690.00}, while the other is marked as \" paid. '' I believe these entries may violate the FCRA due to the following : Incomplete Account Numbers : Providing only partial account numbers hinders my ability to identify the original debts and verify their accuracy, potentially leading to confusion and inaccurate reporting. This lack of transparency may obstruct my ability to exercise my rights under the FCRA to dispute and investigate these entries.\n\nFurthermore, the discrepancy between the two entries raises concerns about potential FDCPA violations : Misleading Information : The presence of two entries with the same partial account number, one \" paid '' and the other with an\noutstanding balance, creates ambiguity and may mislead me about my actual debt obligations. This could be construed as a deceptive debt collection practice.\n\nExperian 's Failure to Correct Inaccurate Information I disputed these entries with Experian and provided documentation proving that the debt in question was paid in full. However, Experian failed to correct the inaccurate information, stating that they prioritize the information provided by the debt collector over the documentation I provided. This is a direct violation of my consumer rights under the FCRA, which mandates that credit bureaus conduct a thorough investigation and correct inaccuracies.","date_sent_to_company":"2025-01-23T16:03:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85048","tags":"Servicemember","has_narrative":true,"complaint_id":"11699319","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T15:30:05.000Z","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":["<em>Experian</em> 's <em>Failure</em> to <em>Correct</em> <em>Inaccurate</em> <em>Information</em> I disputed these entries with <em>Experian</em> and provided documentation proving that the debt in question was paid in full. However, <em>Experian</em> failed to <em>correct</em> the <em>inaccurate</em> <em>information</em>, stating that they prioritize the <em>information</em> provided by the debt collector <em>over</em> the documentation I provided."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.332087,"11699319"]},{"_index":"complaint-public-v1","_id":"11893797","_score":20.017262,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, I submitted a written dispute to Experian regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), they must investigate and respond within 30 days ( or 45 if more information is provided ). However, over 60 days have passed, and I have received no response, correction, or removal of the disputed items. This failure to investigate and/or correct unverifiable information appears to violate the FCRA. I am seeking the CFPBs assistance to ensure Experian complies with its obligations by investigating my dispute, correcting or removing inaccurate items, and providing a timely resolution as required by law.","date_sent_to_company":"2025-02-03T01:20:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32701","tags":"Servicemember","has_narrative":true,"complaint_id":"11893797","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-03T01:17:29.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I submitted a written dispute to <em>Experian</em> regarding <em>inaccurate</em> <em>information</em> on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), they must <em>investigate</em> and respond within 30 days ( or 45 if more <em>information</em> is provided ). However, <em>over</em> 60 days have passed, and I have received no response, correction, or removal of the disputed items. This <em>failure</em> to <em>investigate</em> and/or <em>correct</em> unverifiable <em>information</em> appears to violate the FCRA."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[20.017262,"11893797"]},{"_index":"complaint-public-v1","_id":"15114980","_score":19.9018,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past XXXX years, I have submitted multiple disputes to Experian regarding inaccurate information on my credit report. Despite my consistent efforts to correct these inaccuracies, Experian has repeatedly failed to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). \n\nInstead of investigating, Experian has continuously responded with templated and stale letters/emails claiming that it was not me who submitted the disputes, thereby denying the disputes without any reasonable investigation. This has occurred multiple times over a three-year period, with no meaningful resolution, and no correction or deletion of the disputed information. \n\nThese repetitive denials based on false assertions that I did not initiate the disputes constitute a failure to fulfill their duties under 15 U.S. Code 1681i ( a ) Reinvestigations of Disputed Information. Experians actions ( or inaction ) reflect : Failure to conduct a reasonable investigation ; Use of automated or generic responses instead of a substantive review ; A pattern of negligence or willful noncompliance with federal law ; Ongoing harm to my creditworthiness and financial well-being.","date_sent_to_company":"2025-08-06T23:26:33.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11553","tags":null,"has_narrative":true,"complaint_id":"15114980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-08-06T23:19:47.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Difficulty submitting a dispute or getting information about a dispute over the phone"},"highlight":{"complaint_what_happened":["<em>Over</em> the past XXXX years, I have submitted multiple disputes to <em>Experian</em> regarding <em>inaccurate</em> <em>information</em> on my credit report. Despite my consistent efforts to <em>correct</em> these inaccuracies, <em>Experian</em> has repeatedly failed to conduct a proper <em>investigation</em> as required under the Fair Credit Reporting Act ( FCRA )."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Difficulty submitting a dispute or getting <em>information</em> about a dispute <em>over</em> the phone"]},"sort":[19.9018,"15114980"]},{"_index":"complaint-public-v1","_id":"18071162","_score":19.80753,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Over the past several months, I submitted multiple disputes to Experian regarding inaccurate and unverifiable accounts and inquiries appearing on my credit report. In response, Experian repeatedly reported that the items were verified without providing meaningful investigation details, documentation, or the method of verification. \n\nDespite my disputes, the inaccurate information remains reported. Experian did not correct or delete the disputed items and did not demonstrate that it independently verified the accuracy, ownership, balances, dates, or permissible purpose of the accounts and inquiries. \n\nI requested verification of the disputed items, but Experian did not provide this information. Instead, Experian relied on generic responses rather than conducting a substantive, account-by-account reinvestigation. \n\nThis ongoing failure to reasonably investigate has caused continued harm to my credit standing and has prevented resolution of the disputed inaccuracies.","date_sent_to_company":"2025-12-16T13:46:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"18071162","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-16T13:41:00.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Over</em> the past several months, I submitted multiple disputes to <em>Experian</em> regarding <em>inaccurate</em> and unverifiable accounts and inquiries appearing on my credit report. In response, <em>Experian</em> repeatedly reported that the items were verified without providing meaningful <em>investigation</em> details, documentation, or the method of verification. \n\nDespite my disputes, the <em>inaccurate</em> <em>information</em> remains reported."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.80753,"18071162"]},{"_index":"complaint-public-v1","_id":"5102046","_score":19.752363,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian will not properly investigate my factual disputes. They have ignored the Fair Credit Reporting Act laws governing investigation my disputes. As of the date of this complaint, Experian continues to violate my rights by not reviewing for completeness or accuracy. \n\nAfter submitting my disputes, Experian sent an email to me noting the following : According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item Experians email further states, if, after processing we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information They have never provided me with any evidence, documents, bank records, payment history, contracts bearing my signature, or any other records from furnishers or anyone, to support their opinions that my disputes for incorrect items, based on the reports they provided me, are accurate. \n\nIn each of the accounts, outlined below, Experian did not review for accuracy and completeness. They did not delete unverifiable information, accounts, or anything they promised that they would. They did not follow the law as outlined in FCRA. \n\nXXXX Acct XXXX Experian states this account is accurate while it reports 34 charge-offs after it was closed!! It is updating monthly. This is not accurate. A proper investigation would have corrected or deleted this item. The have not performed their role to review for accuracy and completeness. They have not provided me any proof that this could be accurate. \nXXXX XXXXXXXX Acct XXXX I have a right to have access to a complete and accurate report. Experian states that they will provide one. This was disputed, for inaccuracy because the account is missing its highest balance, monthly payment. A dispute for a reported missed payment could not be proven, but still remains. \nXXXX XXXX Acct XXXX XXXX I have a right to a complete and accurate report. This account was never updated or removed, even though it is inaccurately reporting no payment history except for one month. If this was investigated properly, the correct and complete payment history would be reflected. Experian did not review this account for accuracy and completeness XXXX XXXX XXXX  Acct XXXX Experian states that they will remove ( required by FCRA ) unverifiable and inaccurate information. They are still reporting this inaccurate account with over 6 months of activity - after is was closed! \nXXXX  Acct XXXX Repeated requests to have the account update to reflect correct and complete payment history. Account still inaccurately reports one month of payment history. \n\n*XXXX XXXX XXXX, LLC Partial Acct # XXXX : Experian will not help me reconcile information regarding this account reporting on my credit file. They will not investigate or provide any information that will support their opinion on this account. \n\nHere are the serious violations which are relevant to this complaint. \n\n1. Failure to send me a complete and accurate credit report 2. Failure to properly investigate my disputes 3. Failure to provide me, when requested, information relevant to the investigations 4. Failure to conduct a reasonable investigation 5. Extending my dispute investigations longer than legally permitted 6. Failure to update, correct or delete inaccurate or unverifiable information on my credit report 7. Knowingly inserting incorrect activity on my paid and closed accounts after theses accounts were closed 8. Failure to consider and review all relevant information in my disputes","date_sent_to_company":"2022-01-12T06:02:33.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19454","tags":null,"has_narrative":true,"complaint_id":"5102046","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-12T00:50:40.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Failure</em> to send me a complete and accurate credit report 2. <em>Failure</em> to properly <em>investigate</em> my disputes 3. <em>Failure</em> to provide me, when requested, <em>information</em> relevant to the <em>investigations</em> 4. <em>Failure</em> to conduct a reasonable <em>investigation</em> 5. Extending my dispute <em>investigations</em> longer than legally permitted 6. <em>Failure</em> to update, <em>correct</em> or delete <em>inaccurate</em> or unverifiable <em>information</em> on my credit report 7."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[19.752363,"5102046"]},{"_index":"complaint-public-v1","_id":"5102052","_score":19.748245,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian will not properly investigate my factual disputes. They have ignored the Fair Credit Reporting Act laws governing investigation my disputes. As of the date of this complaint, Experian continues to violate my rights by not reviewing for completeness or accuracy. \n\nAfter submitting my disputes, Experian sent an email to me noting the following : According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item Experians email further states, if, after processing we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information They have never provided me with any evidence, documents, bank records, payment history, contracts bearing my signature, or any other records from furnishers or anyone, to support their opinions that my disputes for incorrect items, based on the reports they provided me, are accurate. \n\nIn each of the accounts, outlined below, Experian did not review for accuracy and completeness. They did not delete unverifiable information, accounts, or anything they promised that they would. They did not follow the law as outlined in FCRA. \n\nXXXX Acct XXXX Experian states this account is accurate while it reports 34 charge-offs after it was closed!! It is updating monthly. This is not accurate. A proper investigation would have corrected or deleted this item. The have not performed their role to review for accuracy and completeness. They have not provided me any proof that this could be accurate. \nXXXX XXXX Acct XXXX I have a right to have access to a complete and accurate report. Experian states that they will provide one. This was disputed, for inaccuracy because the account is missing its highest balance, monthly payment. A dispute for a reported missed payment could not be proven, but still remains. \nXXXX XXXX Acct XXXX XXXX I have a right to a complete and accurate report. This account was never updated or removed, even though it is inaccurately reporting no payment history except for one month. If this was investigated properly, the correct and complete payment history would be reflected. Experian did not review this account for accuracy and completeness XXXX XXXXXXXX XXXX Acct XXXX Experian states that they will remove ( required by FCRA ) unverifiable and inaccurate information. They are still reporting this inaccurate account with over 6 months of activity - after is was closed! \nXXXX  Acct XXXX Repeated requests to have the account update to reflect correct and complete payment history. Account still inaccurately reports one month of payment history. \n\nXXXX XXXX XXXX, LLC Partial Acct # XXXX : Experian will not help me reconcile information regarding this account reporting on my credit file. They will not investigate or provide any information that will support their opinion on this account. \n\nHere are the serious violations which are relevant to this complaint. \n\n1. Failure to send me a complete and accurate credit report 2. Failure to properly investigate my disputes 3. Failure to provide me, when requested, information relevant to the investigations 4. Failure to conduct a reasonable investigation 5. Extending my dispute investigations longer than legally permitted 6. Failure to update, correct or delete inaccurate or unverifiable information on my credit report 7. Knowingly inserting incorrect activity on my paid and closed accounts after theses accounts were closed 8. Failure to consider and review all relevant information in my disputes","date_sent_to_company":"2022-01-12T06:02:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19454","tags":null,"has_narrative":true,"complaint_id":"5102052","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-01-12T01:02:43.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Failure</em> to send me a complete and accurate credit report 2. <em>Failure</em> to properly <em>investigate</em> my disputes 3. <em>Failure</em> to provide me, when requested, <em>information</em> relevant to the <em>investigations</em> 4. <em>Failure</em> to conduct a reasonable <em>investigation</em> 5. Extending my dispute <em>investigations</em> longer than legally permitted 6. <em>Failure</em> to update, <em>correct</em> or delete <em>inaccurate</em> or unverifiable <em>information</em> on my credit report 7."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[19.748245,"5102052"]},{"_index":"complaint-public-v1","_id":"11480289","_score":19.71193,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for failing to correct inaccuracies on my credit report despite multiple written disputes submitted over several months. Experian has not complied with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically : Account : XXXX XXXX Account Number : XXXX Account : XXXX XXXX Account Number : XXXX 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information in my credit report.\n\n15 USC 1681s-2 : Failure of the data furnisher ( s ) to provide accurate information and to properly investigate disputes.\n\n15 USC 1681i ( 5 ) : Failure to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information within the required time frame.\n\n15 USC 1681c ( c ) : Failure to comply with restrictions on reporting certain adverse information.\n\nI saw in the news that CFPBs lawsuit against Experian for alleged sham investigations of credit errors. My experiences appear to align with these issues highlighted in that lawsuit, including inadequate investigations and lack of meaningful resolutions to disputes.","date_sent_to_company":"2025-01-11T15:41:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"282XX","tags":null,"has_narrative":true,"complaint_id":"11480289","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-11T15:03:34.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am filing this complaint against <em>Experian</em> for failing to <em>correct</em> inaccuracies on my credit report despite multiple written disputes submitted <em>over</em> several months."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.71193,"11480289"]},{"_index":"complaint-public-v1","_id":"10615685","_score":19.691397,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Complaint Against Experian for FCRA Violations on Multiple Accounts and Inaccurate Personal Information Description of the Issue : I am filing this complaint against Experian for failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) regarding multiple requests to validate debts, reinvestigate disputes, and correct inaccurate personal information on my credit report. Despite my repeated attempts over several months, Experian has failed to respond and comply with FCRA regulations. \nAccounts in Question and Incorrect Addresses - Accounts : 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 IN - 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 Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline of Communication : Request to Correct Inaccurate Personal Information - On XX/XX/XXXX, I mailed Experian a request to remove the incorrect addresses listed on my report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and replace them with my current address. This request aligns with FCRA Section 611 ( a ) ( 1 ) ( A ), which mandates that Experian maintain accurate and complete personal information. Experian has not acknowledged or responded to this request, resulting in continued inaccuracies on my report. \nValidation of Debt Request - On XX/XX/XXXX, I sent a letter to Experian requesting validation of the listed debts. Under Section 611 of the FCRA, Experian is required to conduct an investigation within 30 days ( or 45 days if additional documentation is required ). Experians lack of response within this timeframe represents a violation of my right to prompt validation of the disputed debts. \nRequest for Reinvestigation - On XX/XX/XXXX, after Experian failed to validate the debts or respond, I sent a letter requesting a reinvestigation of the accounts. According to Section 611 ( a ) ( 6 ) of the FCRA, Experian is required to provide a notification of investigation results once the reinvestigation is complete. However, Experian has not responded or provided any documentation regarding the status or results of the investigation. \nFinal Follow-Up - On XX/XX/XXXX, I sent a final follow-up letter reiterating my requests for validation, reinvestigation, and correction of the inaccurate addresses. To date, Experian has not responded to any of these letters or provided any acknowledgment or results as required by law. \nRelevant FCRA Violations : Experians failure to investigate, respond, and maintain accurate personal information constitutes the following FCRA violations : Failure to Investigate Disputed Information ( Section 611 ( a ) ( 1 ) ( A ) ) : Experian is required to complete an investigation within 30 days of receiving a consumers dispute ( or 45 days if additional documentation is provided ). Experian has not fulfilled this obligation, as no responses or investigation results have been provided for over three months.\n\nFailure to Notify Investigation Results ( Section 611 ( a ) ( 6 ) ) : The FCRA mandates that consumer reporting agencies must provide consumers with the results of any investigation. Experians lack of communication regarding the disputed accounts and the inaccurate addresses is a direct violation of this requirement.\n\nFailure to Maintain Accurate Consumer Information ( Section 611 ) : Experian has failed to correct two outdated addresses on my report, compromising the integrity of my personal information and accuracy of my report. The FCRA mandates that credit bureaus ensure all consumer information is accurate and up to date, which Experian has not achieved. \nDocumentation Provided : For the CFPBs review, I am enclosing all letters sent to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with my identification. These documents serve as evidence of Experians failure to respond within the legally required timeframes and fulfill its FCRA obligations. \nConclusion : Experians ongoing failure to respond, validate debts, investigate disputes, and correct personal information constitutes a violation of my rights under the FCRA. I request the CFPBs assistance in enforcing compliance with federal law and ensuring that my credit profile is promptly corrected.","date_sent_to_company":"2024-10-29T17:07:36.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"98367","tags":null,"has_narrative":true,"complaint_id":"10615685","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-29T16:57:48.000Z","state":"WA","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":["Consumer Complaint Against <em>Experian</em> for FCRA Violations on Multiple Accounts and <em>Inaccurate</em> Personal <em>Information</em> Description of the Issue : I am filing this complaint against <em>Experian</em> for <em>failure</em> to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) regarding multiple requests to validate debts, reinvestigate disputes, and <em>correct</em> <em>inaccurate</em> personal <em>information</em> on my credit report."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[19.691397,"10615685"]},{"_index":"complaint-public-v1","_id":"13816281","_score":19.627985,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau ( CFPB ) [ Direccin del CFPB ] [ Fecha ] Subject : Formal Complaint Against Experian for Failure to Remove Inaccurate Late Payments Reported by XXXX XXXXXXXX Dear CFPB, I am filing a formal complaint against Experian for failing to remove or correct inaccurate late payment information reported by XXXX XXXXXXXX on my credit report, despite my repeated disputes and requests over the past year. \n\nXXXX XXXX has reported the following inaccurate late payments on my accounts ( Account Numbers ending in XXXX and XXXX ) : 30 days late in XXXX XXXX  60 days late in XXXX XXXX  90 days late in XXXX XXXX 120 days late in XXXX XXXX 150 days late in XX/XX/year> These entries are false and have caused significant damage to my credit profile. I have disputed these inaccuracies with Experian multiple times, yet Experian has failed to conduct a proper investigation and correct or delete the inaccurate information, as required by the Fair Credit Reporting Act ( FCRA ). \n\nViolations of the FCRA by Experian : 1. 15 U.S.C. 1681i ( a ) Experian is required to conduct a reasonable reinvestigation of disputed information and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. Despite my repeated disputes for nearly a year, Experian has failed to comply with this legal obligation.\n\n2. 15 U.S.C. 1681e ( b ) Experian must maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. By continuing to report false late payments from XXXX XXXX, Experian has failed to maintain such procedures. \n\nRequested Resolution : I respectfully request the CFPB to take the following actions : Investigate Experians failure to correct the inaccurate late payment information after repeated disputes. \nRequire Experian to delete the inaccurate late payment entries reported by XXXX XXXX from my credit report. \nEnsure Experians compliance with the FCRA to prevent further inaccurate reporting. \nConfirm that an updated and corrected credit report is provided to me as soon as possible. \n\nThank you for your time and assistance. Experians failure to act has caused significant harm to my credit profile, and I request your support in resolving this issue. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-05-30T21:17:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"18102","tags":null,"has_narrative":true,"complaint_id":"13816281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-30T21:11:39.000Z","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":["Requested Resolution : I respectfully request the CFPB to take the following actions : <em>Investigate</em> <em>Experians</em> <em>failure</em> to <em>correct</em> the <em>inaccurate</em> late payment <em>information</em> after repeated disputes. \nRequire <em>Experian</em> to delete the <em>inaccurate</em> late payment entries reported by XXXX XXXX from my credit report. \nEnsure <em>Experians</em> compliance with the FCRA to prevent further <em>inaccurate</em> reporting. \nConfirm that an updated and <em>corrected</em> credit report is provided to me as soon as possible."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.627985,"13816281"]},{"_index":"complaint-public-v1","_id":"11856575","_score":19.459482,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experians continued failure to correct the inaccurate reporting of my XXXX  XXXX XXXX ( Account XXXX  ) as \" CURRENT, WAS PAST DUE 30 DAYS '' is completely unacceptable. Despite multiple disputes and clear evidence that the information is wrong, Experian has refused to update this account to reflect the correct status of \" PAID OR PAYING AS AGREED, '' as XXXX and XXXX have already done. Why is Experian ignoring its obligation to ensure accuracy and fairness in its reporting? There is no justification for this negligence, and it must be corrected immediately. Under 15 USC 1681e ( b ), Experian is legally required to maintain maximum possible accuracy in my credit report. When notified of an errorespecially one proven by evidenceit is your legal responsibility under 15 USC 1681i ( a ) to conduct a thorough investigation and either correct or delete inaccurate, incomplete, or unverifiable information. Repeatedly ignoring these obligations is not just carelessnessit is a violation of federal law. This failure has already caused harm by misrepresenting my creditworthiness, creating obstacles in obtaining credit, and leading to unnecessary stress and financial setbacks. Every day Experian fails to fix this issue constitutes a violation of the Fair Credit Reporting Act, and under 15 USC 1681n and 1681o, Experian may be held liable for damages of {$1000.00} per violation, along with additional compensation for actual and punitive damages. You have no excuse to continue allowing this inaccurate information to damage my financial standing. Experians refusal to correct an error that the other credit bureaus have already resolved shows a blatant disregard for consumer rights and federal regulations. I am demanding that this account be immediately updated to reflect \" PAID OR PAYING AS AGREED '' to prevent further damage. STOP MAKING ME DISPUTE THIS ISSUE OVER AND OVER AGAIN.its unreasonable and unlawful to expect me to keep doing this. If Experian does not comply promptly, I will escalate this matter through legal channels, regulatory complaints, and any other available remedies under the law. It is time for Experian to correct this failure without further delay.","date_sent_to_company":"2025-01-30T16:34:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"07032","tags":null,"has_narrative":true,"complaint_id":"11856575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T16:02:26.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Experians</em> continued <em>failure</em> to <em>correct</em> the <em>inaccurate</em> reporting of my XXXX  XXXX XXXX ( Account XXXX  ) as \" CURRENT, WAS PAST DUE 30 DAYS '' is completely unacceptable. Despite multiple disputes and clear evidence that the <em>information</em> is wrong, <em>Experian</em> has refused to update this account to reflect the <em>correct</em> status of \" PAID OR PAYING AS AGREED, '' as XXXX and XXXX have already done. Why is <em>Experian</em> ignoring its obligation to ensure accuracy and fairness in its reporting?"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.459482,"11856575"]},{"_index":"complaint-public-v1","_id":"14901920","_score":19.444649,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : TransUnion and Experians Failure to Investigate and Correct Inaccurate Late Payment Reporting I am submitting this formal complaint against TransUnion and Experian for their continued failure to correct inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).\n\nThis is now my third formal attempt to dispute inaccurate payment history reporting related to the account listed below. My initial dispute was submitted over 35 days ago, followed by a second submission. To date, I have not received any valid documentation verifying the legitimacy of the late payment being reported. \n\nThis dispute is being submitted directly by me, XXXX XXXX, not by any third party. I am exercising my rights under the FCRA and FCBA, which require that all information included in my consumer credit file be accurate and complete. \n\nDisputed Account : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payment reporting Grounds for Dispute : I previously identified that this inaccurate reporting may be the result of a billing error under 15 U.S. Code 1666 ( b ), including : Failure to correctly post or credit a timely payment Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days prior to the due date rendering the late payment legally invalid To this day, TransUnion and Experian have not provided : Any documentary evidence substantiating the reported late payment The method of verification used in their investigation The name and contact information of the furnisher who confirmed the late payment Violations : 15 U.S. Code 1681i ( a ) Failure to reinvestigate disputed information within the statutory time period 15 U.S. Code 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S. Code 1666 ( b ) Failure to correct or investigate a potential billing error","date_sent_to_company":"2025-07-26T03:51:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48504","tags":null,"has_narrative":true,"complaint_id":"14901920","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-26T03:51:30.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Subject : TransUnion and <em>Experians</em> <em>Failure</em> to <em>Investigate</em> and <em>Correct</em> <em>Inaccurate</em> Late Payment Reporting I am submitting this formal complaint against TransUnion and <em>Experian</em> for their continued <em>failure</em> to <em>correct</em> <em>inaccurate</em> <em>information</em> on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).\n\nThis is now my third formal attempt to dispute <em>inaccurate</em> payment history reporting related to the account listed below."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[19.444649,"14901920"]},{"_index":"complaint-public-v1","_id":"14901973","_score":19.421455,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : TransUnion and Experians Failure to Investigate and Correct Inaccurate Late Payment Reporting I am submitting this formal complaint against TransUnion and Experian for their continued failure to correct inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).\n\nThis is now my third formal attempt to dispute inaccurate payment history reporting related to the account listed below. My initial dispute was submitted over 35 days ago, followed by a second submission. To date, I have not received any valid documentation verifying the legitimacy of the late payment being reported. \n\nThis dispute is being submitted directly by me, XXXX XXXX, not by any third party. I am exercising my rights under the FCRA and FCBA, which require that all information included in my consumer credit file be accurate and complete. \n\nDisputed Account : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payment reporting Grounds for Dispute : I previously identified that this inaccurate reporting may be the result of a billing error under 15 U.S. Code 1666 ( b ), including : Failure to correctly post or credit a timely payment Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days prior to the due date rendering the late payment legally invalid To this day, TransUnion and Experian have not provided : Any documentary evidence substantiating the reported late payment The method of verification used in their investigation The name and contact information of the furnisher who confirmed the late payment Violations : 15 U.S. Code 1681i ( a ) Failure to reinvestigate disputed information within the statutory time period 15 U.S. Code 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S. Code 1666 ( b ) Failure to correct or investigate a potential billing error","date_sent_to_company":"2025-07-26T03:51:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48504","tags":null,"has_narrative":true,"complaint_id":"14901973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-26T03:46:54.000Z","state":"MI","company_public_response":null,"sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["Subject : TransUnion and <em>Experians</em> <em>Failure</em> to <em>Investigate</em> and <em>Correct</em> <em>Inaccurate</em> Late Payment Reporting I am submitting this formal complaint against TransUnion and <em>Experian</em> for their continued <em>failure</em> to <em>correct</em> <em>inaccurate</em> <em>information</em> on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).\n\nThis is now my third formal attempt to dispute <em>inaccurate</em> payment history reporting related to the account listed below."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[19.421455,"14901973"]},{"_index":"complaint-public-v1","_id":"11923495","_score":19.21939,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Credit Report Information Dear Sir/Madam , I am writing to file a formal complaint against Experian for their repeated failure to correct inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues.\n\nOver the past [ specific time period ], I have contacted Experian on six separate occasions to dispute erroneous information on my credit report, including an incorrect charge-off and other inaccuracies. Each time, Experian has responded by stating that they have verified the information ; however, the inaccuracies remain uncorrected.\n\nI am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. According to a CFPB press release dated XX/XX/scrub> 2025, the Bureau sued Experian for unlawfully failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on consumer reports. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about disputes, leading to the retention of inaccurate information on credit reports. \nXXXX Given Experian 's ongoing failure to address these inaccuracies in my credit report, I am requesting that the CFPB intervene to ensure the deletion of the erroneous information. The presence of this incorrect data is adversely affecting my creditworthiness and, consequently, my ability to access credit, housing, and employment opportunities. \n\nI have attached copies of my correspondence with Experian, including dispute letters and their responses, as well as a copy of my current credit report highlighting the disputed items. \n\nThank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.","date_sent_to_company":"2025-02-04T23:27:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46312","tags":null,"has_narrative":true,"complaint_id":"11923495","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-04T22:58:52.000Z","state":"IN","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":["Subject : Formal Complaint Against <em>Experian</em> for <em>Failure</em> to <em>Correct</em> <em>Inaccurate</em> Credit Report <em>Information</em> Dear Sir/Madam , I am writing to file a formal complaint against <em>Experian</em> for their repeated <em>failure</em> to <em>correct</em> inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.21939,"11923495"]},{"_index":"complaint-public-v1","_id":"11923393","_score":19.21939,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Credit Report Information Dear Sir/Madam , I am writing to file a formal complaint against Experian for their repeated failure to correct inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues.\n\nOver the past [ specific time period ], I have contacted Experian on six separate occasions to dispute erroneous information on my credit report, including an incorrect charge-off and other inaccuracies. Each time, Experian has responded by stating that they have verified the information ; however, the inaccuracies remain uncorrected.\n\nI am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. According to a CFPB press release dated XX/XX/scrub> 2025, the Bureau sued Experian for unlawfully failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on consumer reports. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about disputes, leading to the retention of inaccurate information on credit reports. \nXXXX Given Experian 's ongoing failure to address these inaccuracies in my credit report, I am requesting that the CFPB intervene to ensure the deletion of the erroneous information. The presence of this incorrect data is adversely affecting my creditworthiness and, consequently, my ability to access credit, housing, and employment opportunities. \n\nI have attached copies of my correspondence with Experian, including dispute letters and their responses, as well as a copy of my current credit report highlighting the disputed items. \n\nThank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.","date_sent_to_company":"2025-02-04T23:27:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46312","tags":null,"has_narrative":true,"complaint_id":"11923393","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-04T23:26:42.000Z","state":"IN","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Subject : Formal Complaint Against <em>Experian</em> for <em>Failure</em> to <em>Correct</em> <em>Inaccurate</em> Credit Report <em>Information</em> Dear Sir/Madam , I am writing to file a formal complaint against <em>Experian</em> for their repeated <em>failure</em> to <em>correct</em> inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.21939,"11923393"]},{"_index":"complaint-public-v1","_id":"11923392","_score":19.179863,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Credit Report Information Dear Sir/Madam , I am writing to file a formal complaint against Experian for their repeated failure to correct inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues.\n\nOver the past [ specific time period ], I have contacted Experian on six separate occasions to dispute erroneous information on my credit report, including an incorrect charge-off and other inaccuracies. Each time, Experian has responded by stating that they have verified the information ; however, the inaccuracies remain uncorrected.\n\nI am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. According to a CFPB press release dated XX/XX/scrub> 2025, the Bureau sued Experian for unlawfully failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on consumer reports. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about disputes, leading to the retention of inaccurate information on credit reports. \nXXXX Given Experian 's ongoing failure to address these inaccuracies in my credit report, I am requesting that the CFPB intervene to ensure the deletion of the erroneous information. The presence of this incorrect data is adversely affecting my creditworthiness and, consequently, my ability to access credit, housing, and employment opportunities. \n\nI have attached copies of my correspondence with Experian, including dispute letters and their responses, as well as a copy of my current credit report highlighting the disputed items. \n\nThank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.","date_sent_to_company":"2025-02-04T23:27:07.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"46312","tags":null,"has_narrative":true,"complaint_id":"11923392","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-04T23:26:42.000Z","state":"IN","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":["Subject : Formal Complaint Against <em>Experian</em> for <em>Failure</em> to <em>Correct</em> <em>Inaccurate</em> Credit Report <em>Information</em> Dear Sir/Madam , I am writing to file a formal complaint against <em>Experian</em> for their repeated <em>failure</em> to <em>correct</em> inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.179863,"11923392"]},{"_index":"complaint-public-v1","_id":"13341783","_score":19.09794,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Summary This complaint outlines Experians repeated and systemic failures to handle disputes regarding inaccurate information on my credit report. Over the course of several months, I filed 12 formal disputes with Experian, all of which were either inadequately addressed or ignored. Despite providing clear evidence of inaccuracies, Experian has failed to conduct meaningful investigations, correct errors, or provide adequate responses as required under the Fair Credit Reporting Act ( FCRA ). \n\nThese failures have caused me significant financial harm, emotional distress, and reputational damage. Below is a detailed chronological summary of each complaint filed with Experian, the issues raised, their responses, and the outcomes. \n\nChronological Summary of Complaints XXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over inaccurate reporting of a {$4600.00} past-due balance with XXXX XXXXXXXX XXXX \nExperian Response : Generic response claiming the account was verified, but no supporting documentation was provided. \nOutcome : Inaccuracy remains unresolved. No meaningful investigation was conducted. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over a {$2300.00} charged-off account with XXXX  XXXX. \nExperian Response : Provided a generic response stating the account was verified, but no evidence or explanation was provided. \nOutcome : The account remains inaccurately reported. Experian failed to provide verification or correct the error. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute regarding multiple inaccuracies, including unverifiable late payments and balances. \nExperian Response : Generic response with no details of the investigation process. \nOutcome : No changes were made to the credit report. Experian failed to address the inaccuracies. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Allegation of a sham investigation into previously disputed accounts. \nExperian Response : Claimed the disputes were frivolous, without providing any explanation or evidence. \nOutcome : Experian did not investigate the dispute and failed to comply with FCRA requirements. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over unresolved inaccuracies in multiple accounts, including XXXX XXXX XXXX and XXXX XXXX. \nExperian Response : Generic response stating the accounts were verified, but no documentation was provided. \nOutcome : Inaccuracies remain unresolved. No meaningful investigation was conducted. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute regarding incomplete and inaccurate information on my credit report. \nExperian Response : Generic response with no details of the investigation. \nOutcome : No changes were made to the credit report. Experian failed to provide a meaningful resolution. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Allegation of Experians failure to conduct a meaningful investigation into previously disputed accounts. \nExperian Response : Claimed the accounts were verified, but did not provide supporting evidence. \nOutcome : Inaccuracies remain unresolved, and Experian failed to comply with FCRA requirements. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over inaccurate reporting of late payments and balances. \nExperian Response : Generic response with no explanation or supporting evidence. \nOutcome : Experian failed to correct the inaccuracies or provide verification. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over unresolved inaccuracies in XXXX XXXX XXXX and XXXX XXXX accounts. \nExperian Response : Generic response stating the accounts were verified, but no evidence was provided. \nOutcome : No changes were made to the credit report. Experian failed to resolve the dispute. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Allegation of incomplete investigation into disputed accounts. \nExperian Response : Generic response with no details of the investigation.\n\nOutcome : No meaningful resolution was provided. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Failure to address inaccuracies in multiple disputed accounts. \nExperian Response : Pending resolution. No meaningful updates have been provided. \nOutcome : Delayed investigation with no resolution to date. \nXXXX. Complaint Number : XXXX Date Filed : XX/XX/year> Issue : Dispute over unresolved inaccuracies and Experians failure to investigate disputes adequately. \nExperian Response : Pending resolution. No meaningful updates have been provided. \nOutcome : Delayed investigation with no resolution to date. \nHarm Caused Experians actions have caused the following harm : Financial Harm : Denied credit applications. \nHigher interest rates on approved loans, increasing financial burden. \nInability to refinance existing loans. \nXXXX XXXX  : Ongoing XXXX  and frustration caused by XXXX negligence and lack of accountability. \nTime and effort spent filing disputes and dealing with the consequences of inaccurate reporting. \nRequested Compensation : {$75000.00} Breakdown of Requested Amount : Actual Damages : {$25000.00} Financial harm : {$15000.00} XXXX XXXX XXXX {$10000.00} Statutory Damages : {$15000.00} FCRA violations : {$12000.00} ( XXXX violations at {$1000.00} each ). \nFDCPA violations : {$3000.00}. \nPunitive Damages : {$35000.00} For willful noncompliance and systemic failures. \nAttorneys Fees : {$5000.00} Anticipated legal expenses. \nLaws Violated Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Failure to ensure maximum possible accuracy.\n\n1681i : Failure to conduct reasonable investigations.\n\n1681i ( a ) ( 5 ) : Failure to remove unverifiable information.\n\n1681i ( a ) ( 6 ) : Failure to notify consumers of dispute results.\n\n1681c ( f ) : Failure to mark disputed accounts as disputed.\n\nFair Debt Collection Practices Act ( FDCPA ) : 1692e : False or misleading representations. \n1692f : Unfair or unconscionable practices.\n\n1006.38 : Failure to correct inaccuracies after disputes.\n\n1692d : Harassing or abusive conduct.\n\nConsumer Financial Protection Act ( CFPA ) : 5531 ( c ) : Unfair practices causing financial harm.\n\n5531 ( d ) : Deceptive practices misleading consumers.\n\n5531 ( e ) : Abusive practices exploiting consumers reliance on accurate reporting.\n\nFederal Trade Commission Act ( FTCA ) : 5 : Unfair and deceptive practices in commerce.\n\nRelief Requested I respectfully request the CFPB to : Investigate Experians systemic failures and violations of federal laws.\n\nImpose penalties for their repeated noncompliance.\n\nOrder corrective action to resolve inaccuracies and improve their dispute resolution processes.\n\nAward me {$75000.00} in damages for financial harm, emotional distress, and punitive damages. \nAttachments Dispute Records : Copies of all XXXX complaints filed with Experian. \nCredit Report ( XX/XX/year> ) : Evidence of unresolved inaccuracies. \nFTC Reports : Copies of complaints filed with the FTC regarding XXXX violations. \nSincerely, XXXX XXXX XXXX : XXXX Phone : XXXX","date_sent_to_company":"2025-05-05T04:45:41.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77079","tags":null,"has_narrative":true,"complaint_id":"13341783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-05T04:32:21.000Z","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":["Complaint Summary This complaint outlines <em>Experians</em> repeated and systemic <em>failures</em> to handle disputes regarding <em>inaccurate</em> <em>information</em> on my credit report. <em>Over</em> the course of several months, I filed 12 formal disputes with <em>Experian</em>, all of which were either inadequately addressed or ignored."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.09794,"13341783"]},{"_index":"complaint-public-v1","_id":"11867348","_score":19.093826,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally file a complaint regarding a dispute I initiated with Experian concerning inaccurate information associated with several accounts on my credit report. Despite my efforts, Experian has failed to follow up on the investigation, and no corrective actions have been taken. \n\nI recently became aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, accusing the company of accepting unreliable information and failing to notify consumers of the results of disputes. This situation directly aligns with my experience, as Experian has made no attempt to remove or correct the inaccurate information over the course of several years. \n\nAs this derogatory mark is negatively impacting my ability to obtain a mortgage for a new home, I am requesting that it be either corrected or removed immediately. Experian 's failure to address this issue violates my rights under both Georgia state law and federal consumer protection laws. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-02-01T03:59:34.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30012","tags":null,"has_narrative":true,"complaint_id":"11867348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-01T03:36:45.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I recently became aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against <em>Experian</em>, accusing the company of accepting unreliable <em>information</em> and failing to notify consumers of the results of disputes. This situation directly aligns with my experience, as <em>Experian</em> has made no attempt to remove or <em>correct</em> the <em>inaccurate</em> <em>information</em> <em>over</em> the course of several years."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.093826,"11867348"]},{"_index":"complaint-public-v1","_id":"12553601","_score":19.056768,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Attorney General XXXX XXXX I am writing to file a complaint against Experian for its continued failure to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) in relation to inaccurate information being reported on my credit file. Despite my repeated attempts to dispute this matter for over XXXX years, Experian has failed to provide proper verification of the alleged account or remove it from my credit report. Experian is reporting inaccurate and unverified information on my credit file, despite multiple disputes. Experian has not provided any legally sufficient documentation verifying the alleged account. Experian has ignored my requests for proof of permissible purpose to report this account. Additionally, Experians failure to correct this information has caused me financial harm, including credit denials and higher interest rates. \nUnder the FCRA, Experian is required to ensure the maximum possible accuracy of consumer credit reports ( 15 U.S.C. 1681e ( b ) ) ; conduct a reasonable investigation when a consumer disputes information ( 15 U.S.C. 1681i ) ; have a permissible purpose for reporting an account ( 15 U.S.C. 1681b ) ; and delete or correct unverified accounts after a proper investigation. Despite its legal obligations, Experian has failed to comply with these requirements, leaving me with an unjustified negative credit report that affects my financial stability. I have sent multiple dispute letters to Experian and provided all necessary documentation, yet they continue to verify the debt without providing valid proof. I have also filed a complaint with the Consumer Financial As the chief consumer protection agency in my state, I am requesting your office to : 1. Investigate Experians repeated FCRA violations and hold them accountable for their failure to correct inaccurate reporting. \nXXXX. Force Experian to provide legally valid verification of the account or remove it from my credit report. \nXXXX. Take enforcement action if Experian is found to be in violation of federal or state consumer protection laws. \nExperians continued negligence is causing me financial harm, and regulatory intervention is necessary.Protection Bureau ( CFPB ), but Experian has still not corrected the issue.","date_sent_to_company":"2025-03-20T02:24:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"816XX","tags":null,"has_narrative":true,"complaint_id":"12553601","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-20T02:17:21.000Z","state":"CO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Experian</em> is reporting <em>inaccurate</em> and unverified <em>information</em> on my credit file, despite multiple disputes. <em>Experian</em> has not provided any legally sufficient documentation verifying the alleged account. <em>Experian</em> has ignored my requests for proof of permissible purpose to report this account. Additionally, <em>Experians</em> <em>failure</em> to <em>correct</em> this <em>information</em> has caused me financial harm, including credit denials and higher interest rates."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["<em>Information</em> belongs to someone else"]},"sort":[19.056768,"12553601"]},{"_index":"complaint-public-v1","_id":"11440228","_score":18.987535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint to report that Experian has consistently and inaccurately reported late payments on my credit report related to my XXXX account. Despite my repeated efforts to have this matter investigated and resolved, Experian has failed to correct the inaccuracies and continues to report the false information. These late payment entries are completely incorrect and have caused significant harm to my credit score and financial standing. \n\nHere is a summary of the timeline of events and the actions Ive taken : I first became aware of the false late payment entries on my credit report when I received a copy of my Experian credit report. The report indicated that I had several late payments on my XXXX account, but I have verified that I was not late on any payments during the stated periods. I immediately contacted Experian to dispute this inaccurate information. \nOver the course of several months, I have submitted multiple dispute requests to Experian, requesting that they properly investigate and verify the accuracy of these late payment entries. In each case, I provided supporting documentation showing that I was not late on any payments during the reported periods. Despite my clear evidence, Experian has continued to report the inaccurate late payments without conducting a thorough or proper investigation. \nFailure to Investigate : Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate disputed information and correct any inaccuracies within 30 days. However, Experian has repeatedly failed to conduct a proper investigation into the disputed late payments. Instead, they have allowed these errors to persist on my credit report without verifying the facts or providing me with a clear response regarding their investigation process. \nAs a result of Experians failure to correct these inaccuracies, my credit score has been negatively impacted, and I have suffered harm, including higher interest rates and denial of credit. The continued reporting of these false late payments is damaging my financial reputation and ability to obtain reasonable terms on loans and credit products. \nFCRA Violations : I believe that Experian is in clear violation of the FCRA, which mandates that credit reporting agencies maintain the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ) and promptly investigate disputes ( 15 U.S.C. 1681i ). By failing to correct the erroneous late payment entries despite my repeated requests and providing no explanation for the continued inaccuracies, Experian is in violation of my rights under the FCRA.","date_sent_to_company":"2025-01-09T02:23:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"30223","tags":null,"has_narrative":true,"complaint_id":"11440228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-09T02:13:05.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Failure</em> to <em>Investigate</em> : Under the Fair Credit Reporting Act ( FCRA ), <em>Experian</em> is required to <em>investigate</em> disputed <em>information</em> and <em>correct</em> any inaccuracies within 30 days. However, <em>Experian</em> has repeatedly failed to conduct a proper <em>investigation</em> into the disputed late payments. Instead, they have allowed these errors to persist on my credit report without verifying the facts or providing me with a clear response regarding their <em>investigation</em> process."],"issue":["Incorrect <em>information</em> on your report"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."]},"sort":[18.987535,"11440228"]},{"_index":"complaint-public-v1","_id":"12013038","_score":18.955303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Subject : Formal Complaint Against Experian for Failure to XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint against Experian for their failure to properly reinvestigate and correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). \n\nPreviously, I submitted a dispute regarding the inaccurate reporting of the XXXX XXXX account ( Account Number : XXXX ). Despite clear evidence of multiple inaccuracies, Experian responded that the account is XXXX % accurate and refused to remove or correct the information. This failure to properly investigate and correct my report constitutes multiple violations of the FCRA and is causing undue harm to my credit profile. \n\nFCRA Violations Supporting Immediate Removal XXXX. Failure to Conduct a Proper Reinvestigation Violation of FCRA 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a reasonable reinvestigation of disputed information. \nGiven the clear evidence of errors, Experian has failed to meet this standard and instead upheld inaccurate reporting without proper verification. \nXXXX. Duty to Maintain Accuracy Violation of FCRA 1681e ( b ) Consumer reporting agencies must ensure maximum possible accuracy of the information they report. \nThe false charge-off balance, credit utilization over 100 %, and possible re-aging of my account prove Experian has failed to uphold this requirement. \nXXXX. Failure to Delete Unverified Information Violation of FCRA 1681i ( a ) ( 5 ) ( A ) If a credit bureau can not fully verify the accuracy of disputed information, it must delete the information from the consumers report. \nExperian failed to provide sufficient verification yet continued to report inaccurate data, violating this legal requirement. \nXXXX. Illegal Re-Aging of the Account Violation of FCRA 1681c ( a ) The charge-off occurred in XX/XX/XXXX, yet Experian reports the account as past due for XX/XX/XXXX. \nThis constitutes re-aging, a serious violation of FCRA, which prohibits extending the reporting period beyond the legal time limits. \nXXXX. Failure to Provide Proper Verification Method Violation of FCRA 1681i ( a ) ( 6 ) Upon completion of a reinvestigation, Experian must disclose the method used to verify the disputed information. \nI was not provided with any meaningful verification, further proving Experians failure to comply with FCRA requirements. \n\nSummary of Inaccuracies in My Dispute XXXX. Inaccurate Charge-Off Balance & Past Due Amount My report states a {$800.00} charge-off and past due balance as of XX/XX/XXXX, despite the account being closed in XX/XX/XXXX. \nThis is factually impossible, as future-dated balances violate XXXX XXXX XXXX standards and FCRA XXXX ( b ). \nXXXX. Incorrect Credit Utilization Over XXXX  % The reported credit limit is {$500.00}, yet the balance is {$800.00}, resulting in XXXX  % utilization. \nThis is an inaccurate reflection of my credit profile, negatively impacting my score in violation of XXXX XXXX compliance rules. \nXXXX. Illegal Re-Aging of the Account The charge-off occurred in XX/XX/XXXX, yet Experian falsely reports the balance as past due in XX/XX/XXXX. \nRe-aging is a violation of FCRA 1681c ( a ) and Metro 2 guidelines, which prohibit extending the reporting period beyond legal limits. \n\nRequested Action by the CFPB Given Experians failure to comply with FCRA regulations, I request the CFPB to : XXXX. Investigate XXXX failure to properly reinvestigate and correct these inaccuracies. \nXXXX. Mandate the immediate deletion of the XXXX XXXX account from my credit report due to unverifiable and inaccurate reporting. \nXXXX. Ensure Experian complies with XXXX XXXX guidelines and federal law in future credit reporting. \nXXXX. Hold Experian accountable for its continued FCRA violations and failure to maintain accuracy. \n\nXXXX refusal to correct these errors is damaging my creditworthiness and violating my consumer rights under federal law. I request a prompt review of this matter and appropriate enforcement action against Experian. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX","date_sent_to_company":"2025-02-11T02:41:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77036","tags":null,"has_narrative":true,"complaint_id":"12013038","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-11T02:28:03.000Z","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":["Despite clear evidence of multiple inaccuracies, <em>Experian</em> responded that the account is XXXX % accurate and refused to remove or <em>correct</em> the <em>information</em>. This <em>failure</em> to properly <em>investigate</em> and <em>correct</em> my report constitutes multiple violations of the FCRA and is causing undue harm to my credit profile. \n\nFCRA Violations Supporting Immediate Removal XXXX."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.955303,"12013038"]},{"_index":"complaint-public-v1","_id":"11465697","_score":18.849058,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Formal Complaint Against Experian, XXXX, XXXX, and the CFPB Subject : Ongoing Failure to Investigate Disputes and Enforce FCRA Compliance Escalated to Florida Attorney General and Media Complaint : I am filing this formal complaint against Experian, XXXX, XXXX, and the Consumer Financial Protection Bureau ( CFPB ) for their continued failure to properly investigate and correct inaccurate late payments reported on my credit reports for the following accounts : XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  For over two years, I have submitted numerous disputes to all three credit bureaus and provided substantial documentation proving that these 10+ late payments are inaccurate. Despite my repeated efforts, the credit bureaus have failed to properly investigate or correct these errors, violating my rights under the Fair Credit Reporting Act ( FCRA ). \n\nAdditionally, I have filed multiple complaints with the CFPB and sent certified letters directly to the CFPB CEO, yet no meaningful action has been taken to enforce compliance with federal law. The ongoing CFPB lawsuit against Experian further confirms that credit bureaus are not being held accountable for failing to conduct proper dispute investigations. \n\nDue to the continued inaction and failure to protect my rights, I have already sent a certified letter to the Florida Attorney Generals Office and have contacted media outlets in Florida to bring attention to this situation. The mishandling of this matter by the credit bureaus and the CFPB demonstrates a clear failure to enforce the consumer protection laws that are meant to safeguard citizens in the state of Florida. \n\nThese actions violate the following provisions of the FCRA : 1. 15 USC 1681e ( b ) : Failure to ensure the maximum possible accuracy of the information reported. \n2. 15 USC 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation of disputed information. \n3. 15 USC 1681c ( a ) : Continued reporting of inaccurate and unverifiable information. \n\nThe late payments reported are also inconsistent across the three bureaus. Experian reports fewer late payments than XXXX and XXXX, further proving that none of the bureaus have conducted proper investigations.","date_sent_to_company":"2025-01-10T22:16:29.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"32806","tags":null,"has_narrative":true,"complaint_id":"11465697","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T22:04:36.000Z","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":["Formal Complaint Against <em>Experian</em>, XXXX, XXXX, and the CFPB Subject : Ongoing <em>Failure</em> to <em>Investigate</em> Disputes and Enforce FCRA Compliance Escalated to Florida Attorney General and Media Complaint : I am filing this formal complaint against <em>Experian</em>, XXXX, XXXX, and the Consumer Financial Protection Bureau ( CFPB ) for their continued <em>failure</em> to properly <em>investigate</em> and <em>correct</em> <em>inaccurate</em> late payments reported on my credit reports for the following accounts : XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX"],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.849058,"11465697"]},{"_index":"complaint-public-v1","_id":"11731210","_score":18.791048,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"To Whom It May Concern, I am submitting this formal complaint against Experian for its failure to properly investigate my credit dispute, resulting in the continued reporting of false and damaging information on my consumer report. As a direct recipient of Experians sham investigation practices, which the CFPB has recently highlighted in its lawsuit, I am requesting immediate intervention to rectify this matter. \n\nIssue : Experians Failure to Investigate My Dispute Properly I disputed an XXXX XXXX account over XXXX times, that is inaccurately reporting as a charge-off, despite the fact that the account was Paid in Full ( PIF ). I provided clear documentation proving that XXXX XXXX made an error, yet Experian has refused to remove or correct this inaccuracy, blindly accepting the furnishers response without conducting a proper investigation. \nViolation of FCRA & CFPBs Allegations Against Experian The CFPB has sued Experian for its failure to conduct proper reinvestigations of consumer disputes, and I have personally experienced the very practices the lawsuit describes, including : Experian conducting sham investigations that fail to properly address consumer disputes. \nExperian failing to accurately convey dispute details to the furnisher. \nExperian uncritically accepting the furnishers response, even when provided with clear evidence to the contrary. \n\nThese actions violate 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct reasonable investigations of disputed information. XXXX negligence has severely impacted my credit profile, affecting my ability to obtain credit and financial stability. \nRequested Action by the CFPB I am requesting that the CFPB intervene and investigate Experians handling of my dispute to ensure compliance with the FCRA. Specifically, I am asking that : XXXX. Experian delete XXXX XXXX  XXXX from my consumer or update to Paid In Full XXXX. Experian be required to properly investigate my dispute and correct or delete the inaccurate XXXX XXXX account from my credit report. \nXXXX. Experian provide a written explanation detailing why my documented evidence was ignored in favor of an unreliable furnisher response. \nXXXX. The CFPB hold Experian accountable for its repeated failure to uphold consumer rights and compliance with federal law. \nI appreciate your time and attention to this matter. I look forward to your response and confirmation of action taken against Experian to protect consumers from these deceptive and unlawful practices. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX","date_sent_to_company":"2025-01-26T01:48:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19040","tags":null,"has_narrative":true,"complaint_id":"11731210","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-26T01:21:30.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Issue : <em>Experians</em> <em>Failure</em> to <em>Investigate</em> My Dispute Properly I disputed an XXXX XXXX account <em>over</em> XXXX times, that is <em>inaccurately</em> reporting as a charge-off, despite the fact that the account was Paid in Full ( PIF ). I provided clear documentation proving that XXXX XXXX made an error, yet <em>Experian</em> has refused to remove or <em>correct</em> this inaccuracy, blindly accepting the furnishers response without conducting a proper <em>investigation</em>."],"issue":["Problem with a company's <em>investigation</em> <em>into</em> an existing problem"],"company":["<em>Experian</em> <em>Information</em> Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[18.791048,"11731210"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1197,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1197}]}},"product":{"doc_count":1197,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer 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