{"took":388,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2810,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11638545","_score":18.489431,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I came into information which lead me to the Lawsuit filed by The CFPB against Experian. I feel I was negatively affected by the same practices alleged in the Lawsuit hurting my chances at credit when receiving a response to my earlier disputes that the accounts were verified.","date_sent_to_company":"2025-01-18T16:37:45.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19138","tags":null,"has_narrative":true,"complaint_id":"11638545","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-18T16:09:26.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I came into information <em>which</em> lead me to the <em>Lawsuit</em> <em>filed</em> by The CFPB <em>against</em> <em>Experian</em>. I feel I was negatively affected by the same practices alleged in the <em>Lawsuit</em> hurting my chances at credit when receiving a response to my earlier disputes that the accounts were verified."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.489431,"11638545"]},{"_index":"complaint-public-v1","_id":"11971816","_score":18.333408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This serves as a formal complaint and official notice that I intend to file a lawsuit against Experian. My legal action will be based in large part on the information being used in the ongoing lawsuit filed against Experian by the CFPB. \n\nExperian has never provided me with any information regarding the entity that, according to THEM, certifies the accuracy of the reported data. This is a clear violation of my rights and a direct breach of the Fair Credit Reporting Act. \n\nToday, I received THE LAST EXPERIAN resolution regarding my dispute, which has remained unchanged despite my repeated attempts to correct the issue over an extended period. \n\nXXXX XXXX XXXX XXXX Account XXXX \" Remains '' \" 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. \" Please consider this communication as part of the official record of my intent to pursue legal action.","date_sent_to_company":"2025-02-06T19:03:02.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"00926","tags":null,"has_narrative":true,"complaint_id":"11971816","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-06T18:48:50.000Z","state":"PR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This serves as a formal complaint and official notice that I intend to <em>file</em> a <em>lawsuit</em> <em>against</em> <em>Experian</em>. My legal action will be based in large part on the information being used in the ongoing <em>lawsuit</em> <em>filed</em> <em>against</em> <em>Experian</em> by the CFPB. \n\n<em>Experian</em> has never provided me with any information regarding the entity that, according to THEM, certifies the accuracy of the reported data. This is a clear violation of my rights and a direct breach of the Fair Credit Reporting Act."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.333408,"11971816"]},{"_index":"complaint-public-v1","_id":"2175879","_score":18.147451,"_source":{"product":"Credit reporting","complaint_what_happened":"I received a letter from Experian stating that they will not reinvestigate items that I have disputed which is against my rights. I am in the process of filing a lawsuit against them for having incorrect information on my credit file. XXXX has already removed the items, along with XXXX. Experian has to do so as well. They have until Friday to remove these items or I will be filing a lawsuit for the full amount due to me because of their refusal to reinvestigate and remove these items. I have attached my intent to sue and the final dispute letter that I have sent them because they are breaking the law. I plan on suing for the full amount due to the full extent of the law. This has been going on for 10 months. Enough is enough.","date_sent_to_company":"2016-10-25T00:56:48.000Z","issue":"Credit reporting company's investigation","sub_product":null,"zip_code":"30134","tags":null,"has_narrative":true,"complaint_id":"2175879","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-10-25T00:56:46.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took too long"},"highlight":{"complaint_what_happened":["I received a letter from <em>Experian</em> stating that they will not reinvestigate items that I have disputed <em>which</em> is <em>against</em> my rights. I am in the process of <em>filing</em> a <em>lawsuit</em> <em>against</em> them for having incorrect information on my credit <em>file</em>. XXXX has already removed the items, along with XXXX. <em>Experian</em> has to do so as well. They have until Friday to remove these items or I will be <em>filing</em> a <em>lawsuit</em> for the full amount due to me because of their refusal to reinvestigate and remove these items."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[18.147451,"2175879"]},{"_index":"complaint-public-v1","_id":"11575066","_score":17.80696,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for failing to remove inaccurate information from my credit report despite multiple disputes and the recent lawsuit filed against Experian by the CFPB, which highlights similar failures by the credit bureau in properly investigating consumer disputes. \n\nComplaint Details : Inaccurate Reporting : Certain files on my Experian credit report have not been removed despite my formal disputes, and these files are either incorrect or outdated. The inaccurate information includes [ briefly describe the incorrect files, such as charged-off accounts, collection accounts, etc. ]. These accounts should no longer be listed due to [ provide specific reason, such as settled debt, expired reporting period, or incorrect debt ]. \nFailure to Investigate and Correct : I have disputed these inaccuracies with Experian multiple times, but they have failed to remove the incorrect entries or provide adequate evidence that justifies the continued reporting of these items. As required by the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to conduct a reasonable investigation into disputed items and ensure that all information reported is accurate. Experian has not complied with this duty. \nNon-compliance with CFPB Lawsuit : I am aware of the CFPBs lawsuit against Experian for similar issues involving failure to properly investigate and remove inaccurate information. Given the nature of this legal action, I believe that Experians practices in my case reflect broader non-compliance with consumer protection laws. \n\nI trust that the CFPB will take swift action to resolve this matter. Please keep me informed of any developments regarding this complaint. \n\nThank you for your attention to this issue.","date_sent_to_company":"2025-01-16T22:51:05.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90015","tags":null,"has_narrative":true,"complaint_id":"11575066","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T22:46:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Dear Consumer Financial Protection Bureau, I am submitting this formal complaint <em>against</em> <em>Experian</em> for failing to remove inaccurate information from my credit report despite multiple disputes and the recent <em>lawsuit</em> <em>filed</em> <em>against</em> <em>Experian</em> by the CFPB, <em>which</em> highlights similar failures by the credit bureau in properly investigating consumer disputes."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.80696,"11575066"]},{"_index":"complaint-public-v1","_id":"11884996","_score":17.767284,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian violated the fair credit reporting act XXXX, As listed on your lawsuit against Experian, Experian continues to put incorrect information and reporting incorrect items on my credit report. As stating any inaccuracy on the file to be removed. Experian continues to violate this as I have an open ongoing identity theft on my file. I have Experian credit freeze credit lock which I pay them a monthly fee to lock creditors from reporting back onto my file. They are failing to block creditors from reappearing on my credit file.","date_sent_to_company":"2025-02-02T00:46:35.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92071","tags":null,"has_narrative":true,"complaint_id":"11884996","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-02T00:07:26.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Experian</em> violated the fair credit reporting act XXXX, As listed on your <em>lawsuit</em> <em>against</em> <em>Experian</em>, <em>Experian</em> continues to put incorrect information and reporting incorrect items on my credit report. As stating any inaccuracy on the <em>file</em> to be removed. <em>Experian</em> continues to violate this as I have an open ongoing identity theft on my <em>file</em>. I have <em>Experian</em> credit freeze credit lock <em>which</em> I pay them a monthly fee to lock creditors from reporting back onto my <em>file</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.767284,"11884996"]},{"_index":"complaint-public-v1","_id":"17257432","_score":17.69716,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have an active lawsuit pending against Experian in the XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ). The lawsuit concerns Experians failure to conduct lawful dispute investigations, inaccurate reporting, and failure to correct or delete unverifiable information relating to multiple tradelines. \n\nOn XX/XX/year>, after the lawsuit was already filed, Experian initiated new disputes on the same tradelines already in litigation ( XXXX and XXXX XXXX XXXX ). These new dispute investigations automatically triggered a renewed legal obligation under 15 U.S.C. 1681i to conduct a lawful, reasonable reinvestigation.\n\nThese new disputes are therefore post-filing violations of the Fair Credit Reporting Act. \n\nExperian has demonstrated a pattern of : continuing to report inaccurate information conducting unreliable reinvestigations relying solely on automated responses failing to review evidence provided failing to correct or delete unverifiable information This conduct has continued even after Experian was sued, which shows systemic disregard for FCRA compliance.","date_sent_to_company":"2025-11-14T15:45:20.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48185","tags":"Servicemember","has_narrative":true,"complaint_id":"17257432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-14T15:22:07.000Z","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 have an active <em>lawsuit</em> pending <em>against</em> <em>Experian</em> in the XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ). The <em>lawsuit</em> concerns <em>Experians</em> failure to conduct lawful dispute investigations, inaccurate reporting, and failure to correct or delete unverifiable information relating to multiple tradelines. \n\nOn XX/XX/year>, after the <em>lawsuit</em> was already <em>filed</em>, <em>Experian</em> initiated new disputes on the same tradelines already in litigation ( XXXX and XXXX XXXX XXXX )."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.69716,"17257432"]},{"_index":"complaint-public-v1","_id":"12116854","_score":17.665236,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to file a formal complaint against Experian concerning their failure to conduct proper investigations into several disputed items on my credit report. Specifically, these items include : Unauthorized Hard Inquiries : I identified multiple hard inquiries on my credit report that I did not authorize. Despite disputing these inquiries, Experian failed to conduct a reasonable reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). According to the CFPB 's recent lawsuit, Experian often neglects to reinvestigate disputes regarding hard inquiries unless fraud or identity theft is alleged, which violates FCRA provisions. \n\nI am aware that on XX/XX/year>, the CFPB filed a lawsuit against Experian, alleging that the company conducted \" sham investigations '' into consumer disputes and failed to properly address inaccuracies in credit reports. The lawsuit asserts that Experian violated the FCRA by : Conducting superficial investigations that do not adequately address consumer disputes. \n\nFailing to delete inaccurate, incomplete, or unverified information from my credit files. \n\n\nMy experiences align with the allegations in the CFPB 's lawsuit, as Experian 's handling of my disputes appears to reflect the same inadequate practices. Their failure to conduct thorough investigations and reliance on automated processes have resulted in the continued presence of inaccurate information on my credit report, adversely affecting my financial standing. \n\nI respectfully request the CFPB 's assistance in : Ensuring the removal or correction of any information that can not be verified as accurate. \n\nImplementing measures to prevent the reinsertion of previously deleted inaccurate information without proper verification and notification. \n\n\nThank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure Experian complies with federal regulations and that my rights as a consumer are protected.","date_sent_to_company":"2025-02-25T00:34:14.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20748","tags":null,"has_narrative":true,"complaint_id":"12116854","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-18T19:24:50.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["According to the CFPB 's recent <em>lawsuit</em>, <em>Experian</em> often neglects to reinvestigate disputes regarding hard inquiries unless fraud or identity theft is alleged, <em>which</em> violates FCRA provisions. \n\nI am aware that on XX/XX/year>, the CFPB <em>filed</em> a <em>lawsuit</em> <em>against</em> <em>Experian</em>, alleging that the company conducted \" sham investigations '' into consumer disputes and failed to properly address inaccuracies in credit reports."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.665236,"12116854"]},{"_index":"complaint-public-v1","_id":"12446290","_score":17.62118,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I filed a dispute with account : ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) through Experian due to my personal and financial information being compromised which is a violation of the FERPA act. Experian has denied following up with this investigation. I am aware of the recent lawsuit against Experian that the CFPB has filed for failure to notify consumer dispute results and accepting unreliable information. This lawsuit aligns with the situation that I am currently faced with in my dealings with Experian. Experian has not attempted to remove, nor correct any information that I have requested an investigation on. I'm requesting that this derogatory remark be removed or corrected immediately as it's altering the course of my lively-hood and affecting my future endeavors moving forward in hopes of purchasing a home or receiving a car loan. Experian violates my rights as a consumer, as well as federal laws and regulations.","date_sent_to_company":"2025-03-12T18:33:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"51106","tags":null,"has_narrative":true,"complaint_id":"12446290","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-12T18:06:08.000Z","state":"IA","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 <em>filed</em> a dispute with account : ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) through <em>Experian</em> due to my personal and financial information being compromised <em>which</em> is a violation of the FERPA act. <em>Experian</em> has denied following up with this investigation. I am aware of the recent <em>lawsuit</em> <em>against</em> <em>Experian</em> that the CFPB has <em>filed</em> for failure to notify consumer dispute results and accepting unreliable information."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.62118,"12446290"]},{"_index":"complaint-public-v1","_id":"11854193","_score":17.452715,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing a complaint against Experian for failing to properly investigate a dispute I submitted regarding inaccurate information on my credit report. Despite submitting my disputes, Experian did not correct the errors, which continues to harm my XXXX score. \nI have multiple disputes. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to removed, nor correct any information. I'm requesting this derogatory remarks to be removed and corrected immediately as it's affecting my chances of getting a house. Experian violated my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-01-30T18:25:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90065","tags":null,"has_narrative":true,"complaint_id":"11854193","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T18:02:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am <em>filing</em> a complaint <em>against</em> <em>Experian</em> for failing to properly investigate a dispute I submitted regarding inaccurate information on my credit report. Despite submitting my disputes, <em>Experian</em> did not correct the errors, <em>which</em> continues to harm my XXXX score. \nI have multiple disputes. I recently was notified that CFPB has <em>filed</em> a <em>lawsuit</em> <em>against</em> <em>Experian</em>. They alleged the company of accepting unreliable information, failure to notify consumer dispute results."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.452715,"11854193"]},{"_index":"complaint-public-v1","_id":"3622035","_score":17.432486,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Credit reporting agency still providing false information saying that information is accurate failed to provide me with method of verification Experian used third party vendor which is XXXX XXXX they are reporting false information I provided documentation and will provide again if this is not resolved in 15 days I will file a lawsuit against third party vendor and Experian for violation of FCRA","date_sent_to_company":"2020-04-24T21:08:15.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"38106","tags":null,"has_narrative":true,"complaint_id":"3622035","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-04-24T20:59:08.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Credit reporting agency still providing false information saying that information is accurate failed to provide me with method of verification <em>Experian</em> used third party vendor <em>which</em> is XXXX XXXX they are reporting false information I provided documentation and will provide again if this is not resolved in 15 days I will <em>file</em> a <em>lawsuit</em> <em>against</em> third party vendor and <em>Experian</em> for violation of FCRA"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.432486,"3622035"]},{"_index":"complaint-public-v1","_id":"11687308","_score":17.432077,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Report # XXXX I filed a dispute on with Experian XXXX XXXX and XXXX XXXX XX/XX/XXXX. Experian failed to properly investigate disputes and remove or correct inaccurate, incomplete or unverifiable information. In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I insist you conduct a reinvestigation as require by the FCRA law. Do not accept the findings of furnishers who do not provide thorough results of their reinvestigation which I will ask you to provide to me in detail via mail.","date_sent_to_company":"2025-01-23T20:20:52.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92707","tags":null,"has_narrative":true,"complaint_id":"11687308","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-23T19:48:20.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Report # XXXX I <em>filed</em> a dispute on with <em>Experian</em> XXXX XXXX and XXXX XXXX XX/XX/XXXX. <em>Experian</em> failed to properly investigate disputes and remove or correct inaccurate, incomplete or unverifiable information. In light of the CFPB <em>lawsuit</em> <em>filed</em> <em>against</em> <em>Experian</em> on XX/XX/XXXX, I insist you conduct a reinvestigation as require by the FCRA law."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.432077,"11687308"]},{"_index":"complaint-public-v1","_id":"16197080","_score":17.428131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN is acting in concert with creditors to deliberately give me a lower score to permanently keep me in debt based on my ethnicity. Furthermore Ive filed bankruptcy and EXPERIAN refuses to remove these negative inaccurate creditors which affects my ability to obtain credit. After requesting my report and EXPERIAN being the worse out of all 3 credit bureaus is evidence this is being done intentionally. So I have no further alternative but to pursue a lawsuit against EXPERIAN","date_sent_to_company":"2025-09-26T21:16:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20603","tags":null,"has_narrative":true,"complaint_id":"16197080","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-26T21:16:33.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>EXPERIAN</em> is acting in concert with creditors to deliberately give me a lower score to permanently keep me in debt based on my ethnicity. Furthermore Ive <em>filed</em> bankruptcy and <em>EXPERIAN</em> refuses to remove these negative inaccurate creditors <em>which</em> affects my ability to obtain credit. After requesting my report and <em>EXPERIAN</em> being the worse out of all 3 credit bureaus is evidence this is being done intentionally. So I have no further alternative but to pursue a <em>lawsuit</em> <em>against</em> <em>EXPERIAN</em>"]},"sort":[17.428131,"16197080"]},{"_index":"complaint-public-v1","_id":"16197079","_score":17.428131,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN is acting in concert with creditors to deliberately give me a lower score to permanently keep me in debt based on my ethnicity. Furthermore Ive filed bankruptcy and EXPERIAN refuses to remove these negative inaccurate creditors which affects my ability to obtain credit. After requesting my report and EXPERIAN being the worse out of all 3 credit bureaus is evidence this is being done intentionally. So I have no further alternative but to pursue a lawsuit against EXPERIAN","date_sent_to_company":"2025-09-26T21:17:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20603","tags":null,"has_narrative":true,"complaint_id":"16197079","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-26T21:16:33.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>EXPERIAN</em> is acting in concert with creditors to deliberately give me a lower score to permanently keep me in debt based on my ethnicity. Furthermore Ive <em>filed</em> bankruptcy and <em>EXPERIAN</em> refuses to remove these negative inaccurate creditors <em>which</em> affects my ability to obtain credit. After requesting my report and <em>EXPERIAN</em> being the worse out of all 3 credit bureaus is evidence this is being done intentionally. So I have no further alternative but to pursue a <em>lawsuit</em> <em>against</em> <em>EXPERIAN</em>"]},"sort":[17.428131,"16197079"]},{"_index":"complaint-public-v1","_id":"11746570","_score":17.421837,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX I filled a dispute on XXXX XXXX XXXX and XXXX  XXXX account number XXXX  due to FRCA section 605B which it is illegal to publish anything on my credit report with out my permission which I did not give Experian. Experian did not publish any proof of these accounts to me and yet they came back saying the accounts were correct and they weren't going to fix them. I was recently notifies that the CFPB has filed a lawsuit against the company Experian. The lawsuit alleges that the company is accepting unreliable information, failure to notify consumer of dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I am requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a new car. Experian violates my rights as a consumer, as we as federal laws.","date_sent_to_company":"2025-01-21T19:33:48.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"763XX","tags":null,"has_narrative":true,"complaint_id":"11746570","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-21T19:00:18.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX I filled a dispute on XXXX XXXX XXXX and XXXX  XXXX account number XXXX  due to FRCA section 605B <em>which</em> it is illegal to publish anything on my credit report with out my permission <em>which</em> I did not give <em>Experian</em>. <em>Experian</em> did not publish any proof of these accounts to me and yet they came back saying the accounts were correct and they weren't going to fix them. I was recently notifies that the CFPB has <em>filed</em> a <em>lawsuit</em> <em>against</em> the company <em>Experian</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.421837,"11746570"]},{"_index":"complaint-public-v1","_id":"3779614","_score":17.39561,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX reported my account over 30 days late even though we had an agreement in place which I sent to Experian. Experian lets things go 45 days with out a response but again the consumer gets the shaft because these banks control Experian. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that Experian even did the investigation. My next plan of action is filing a lawsuit against Experian and XXXX.","date_sent_to_company":"2020-08-04T04:42:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"94526","tags":"Servicemember","has_narrative":true,"complaint_id":"3779614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2020-08-04T04:31:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX reported my account over 30 days late even though we had an agreement in place <em>which</em> I sent to <em>Experian</em>. <em>Experian</em> lets things go 45 days with out a response but again the consumer gets the shaft because these banks control <em>Experian</em>. The other credit bureaus have already removed these items after I sent documentation. So I am going trust that <em>Experian</em> even did the investigation. My next plan of action is <em>filing</em> a <em>lawsuit</em> <em>against</em> <em>Experian</em> and XXXX."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.39561,"3779614"]},{"_index":"complaint-public-v1","_id":"16197443","_score":17.391994,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EXPERIAN is acting in concert with creditors to deliberately give me a lower score to permanently keep me in debt based on my ethnicity. Furthermore Ive filed bankruptcy and EXPERIAN refuses to remove these negative inaccurate creditors which affects my ability to obtain credit. After requesting my report and EXPERIAN being the worse out of all 3 credit bureaus is evidence this is being done intentionally. So I have no further alternative but to pursue a lawsuit against EXPERIAN","date_sent_to_company":"2025-09-26T21:16:56.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"20603","tags":null,"has_narrative":true,"complaint_id":"16197443","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-26T20:52:50.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>EXPERIAN</em> is acting in concert with creditors to deliberately give me a lower score to permanently keep me in debt based on my ethnicity. Furthermore Ive <em>filed</em> bankruptcy and <em>EXPERIAN</em> refuses to remove these negative inaccurate creditors <em>which</em> affects my ability to obtain credit. After requesting my report and <em>EXPERIAN</em> being the worse out of all 3 credit bureaus is evidence this is being done intentionally. So I have no further alternative but to pursue a <em>lawsuit</em> <em>against</em> <em>EXPERIAN</em>"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.391994,"16197443"]},{"_index":"complaint-public-v1","_id":"11866441","_score":17.354385,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian responded to my CFPB complaint on XX/XX/XXXX, stating that they are still working on my issue. However, this delay is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). \n\nI originally submitted my dispute in XX/XX/XXXX, including : XXXXA police report confirming I am a victim of identity theft.\n\n-A notarized identity theft affidavit in accordance with the FCRA XXXX \n-Additional supporting evidence proving the fraudulent account does not belong to me. \n\nDespite providing all legally required documentation, Experian has failed to remove the fraudulent account from my credit report. Instead, they have delayed their response without taking corrective action, which violates 15 U.S.C. 1681i of the FCRA, requiring credit bureaus to conduct a reasonable reinvestigation within 30 days. \n\nAdditionally, I am aware that the CFPB has recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, reinserting inaccurate information, and violating the FCRA. This lawsuit further proves that Experian has a pattern of failing to handle consumer disputes properly and supports my claim that they are ignoring federal consumer protection laws. ( CFPB Lawsuit Against Experian )","date_sent_to_company":"2025-01-31T04:23:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"93555","tags":"Servicemember","has_narrative":true,"complaint_id":"11866441","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-31T04:18:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Additionally, I am aware that the CFPB has recently <em>filed</em> a <em>lawsuit</em> <em>against</em> <em>Experian</em> for failing to properly investigate consumer disputes, reinserting inaccurate information, and violating the FCRA. This <em>lawsuit</em> further proves that <em>Experian</em> has a pattern of failing to handle consumer disputes properly and supports my claim that they are ignoring federal consumer protection laws. ( CFPB <em>Lawsuit</em> <em>Against</em> <em>Experian</em> )"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.354385,"11866441"]},{"_index":"complaint-public-v1","_id":"11541988","_score":17.285582,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. What the company did was change the name, which is now XXXX XXXX .The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian\n\n, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed.\n\nCFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.","date_sent_to_company":"2025-01-16T03:28:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"11541988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T03:25:46.000Z","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":["What the company did was change the name, <em>which</em> is now XXXX XXXX .The Consumer Financial Protection Bureau ( CFPB ) has recently <em>filed</em> a <em>lawsuit</em> <em>against</em> <em>Experian</em>\n\n, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where <em>Experian</em> has neither corrected nor removed."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.285582,"11541988"]},{"_index":"complaint-public-v1","_id":"11541459","_score":17.266134,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. What the company did was change the name, which is now XXXX XXXX .The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. \n\n\nCFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.","date_sent_to_company":"2025-01-16T03:33:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30680","tags":null,"has_narrative":true,"complaint_id":"11541459","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-16T03:27:15.000Z","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":["What the company did was change the name, <em>which</em> is now XXXX XXXX .The Consumer Financial Protection Bureau ( CFPB ) has recently <em>filed</em> a <em>lawsuit</em> <em>against</em> <em>Experian</em>, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where <em>Experian</em> has neither corrected nor removed."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.266134,"11541459"]},{"_index":"complaint-public-v1","_id":"11707328","_score":17.25278,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Experian Consumer Dispute Center po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to CFPB Lawsuit Against Experian Re : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Experian File Number : XXXX Dear Sir or Madam, I am writing to formally dispute the continued inaccuracies and errors that appear on my credit report, specifically those related to the [ list types of errors, collections, late payments, etc. ]. These issues persist despite my prior disputes with Experian, and I am now compelled to take action in light of the Consumer Financial Protection Bureau ( CFPB ) 's lawsuit against Experian regarding inadequate dispute handling and failure to correct inaccurate information. As outlined in the CFPB 's enforcement action, Experian has been accused of failing to comply with consumer protection laws and mishandling consumer disputes, which I believe directly impacts my case. \n\nItems in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$780.00} past due as of XX/XX/XXXX. \n\nXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX inaccurate late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX As a consumer, I have the legal right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, to have accurate and complete information reported on my credit file. The FCRA also mandates that when a consumer disputes any information on their credit report, the credit reporting agency ( Experian in this case ) must investigate the dispute and make any necessary corrections within 30 days.\n\nHowever, in light of the CFPBs recent lawsuit against Experian, I am particularly concerned that the errors on my report have not been corrected despite multiple attempts to dispute them. This situation is in direct violation of the FCRA, which requires credit reporting agencies to ensure maximum possible accuracy and rectify discrepancies in a timely and efficient manner. The CFPB lawsuit highlighted that Experian was failing to properly investigate disputes and remove inaccurate information, resulting in consumers, like myself, suffering from prolonged credit report errors that affect creditworthiness and financial opportunities.\n\nRequest for Action : In accordance with the FCRA and in light of the CFPB lawsuit, I request that Experian immediately : Properly investigate and correct the disputed entries on my credit report, which remain inaccurate despite my previous disputes.\n\nProvide me with written verification that the necessary corrections have been made and provide me with an updated copy of my credit report reflecting these changes.\n\nTake immediate action to ensure compliance with the FCRA, particularly regarding the investigation of disputes and the removal of inaccurate information as detailed in the CFPB lawsuit.","date_sent_to_company":"2025-01-24T03:32:47.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"32526","tags":null,"has_narrative":true,"complaint_id":"11707328","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-24T03:00:31.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX <em>Experian</em> Consumer Dispute Center po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Reference to CFPB <em>Lawsuit</em> <em>Against</em> <em>Experian</em> Re : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX <em>Experian</em> <em>File</em> Number : XXXX Dear Sir or Madam, I am writing to formally dispute the continued inaccuracies and errors that appear on my credit report, specifically those related to"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.25278,"11707328"]},{"_index":"complaint-public-v1","_id":"12784228","_score":17.192791,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute inaccurate and unverifiable information on my Experian credit report. In light of the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ), which filed a lawsuit against Experian for failing to properly investigate consumer disputes and allowing inaccurate information to remain on credit reports, I am requesting an immediate review and correction of my credit file in compliance with the Fair Credit Reporting Act ( FCRA ).","date_sent_to_company":"2025-04-02T23:53:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"91730","tags":null,"has_narrative":true,"complaint_id":"12784228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-04-02T23:46:22.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I am writing to formally dispute inaccurate and unverifiable information on my <em>Experian</em> credit report. In light of the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ), <em>which</em> <em>filed</em> a <em>lawsuit</em> <em>against</em> <em>Experian</em> for failing to properly investigate consumer disputes and allowing inaccurate information to remain on credit reports, I am requesting an immediate review and correction of my credit <em>file</em> in compliance with the Fair Credit Reporting Act ( FCRA )."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.192791,"12784228"]},{"_index":"complaint-public-v1","_id":"11559111","_score":17.16407,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Hello I filed a dispute on Experian for an old XXXX Account which was closed back in XXXX the Account number is XXXX due to the amount being reported is incorrect. My Experian report is showing XXXX different balances which are wrong. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). \nThey alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, or correct any information. I'm asking that this derogatory remark be removed immediately as it's affecting my chances getting housing as a XXXX person Experian violates my rights as a consumer, as well as federal laws.","date_sent_to_company":"2025-01-17T15:17:57.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"11559111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-17T14:40:34.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Hello I <em>filed</em> a dispute on <em>Experian</em> for an old XXXX Account <em>which</em> was closed back in XXXX the Account number is XXXX due to the amount being reported is incorrect. My <em>Experian</em> report is showing XXXX different balances <em>which</em> are wrong. <em>Experian</em> denied to follow up with the investigation. I recently was notified that CFPB has <em>filed</em> a <em>lawsuit</em> <em>against</em> the company ( <em>experian</em> ). \nThey alleged the company of accepting unreliable information, failure to notify consumer dispute results."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.16407,"11559111"]},{"_index":"complaint-public-v1","_id":"11842354","_score":17.132423,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to follow up on a previous complaint I filed against Experian regarding their failure to properly investigate a disputed item on my credit report. Despite my initial complaint, Experian has still not provided any proof of their investigation, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). \n\nWith the recent lawsuit against Experian for similar violations, it is evident that this is an ongoing issue affecting many consumers. I urge the CFPB to take further action to hold Experian accountable and ensure they comply with federal regulations. \n\nPlease provide an update on my previous complaint and advise me on the next steps to resolve this matter. Thank you for your time and assistance.","date_sent_to_company":"2025-01-30T04:00:18.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27545","tags":null,"has_narrative":true,"complaint_id":"11842354","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T03:46:46.000Z","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 writing to follow up on a previous complaint I <em>filed</em> <em>against</em> <em>Experian</em> regarding their failure to properly investigate a disputed item on my credit report. Despite my initial complaint, <em>Experian</em> has still not provided any proof of their investigation, <em>which</em> is a direct violation of the Fair Credit Reporting Act ( FCRA ). \n\nWith the recent <em>lawsuit</em> <em>against</em> <em>Experian</em> for similar violations, it is evident that this is an ongoing issue affecting many consumers."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.132423,"11842354"]},{"_index":"complaint-public-v1","_id":"7884684","_score":17.104452,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have put in several complaints against XXXX and Experian. They refused to move false information off of my report. They failed to do their investigation. They lied and said that the information was verified by the company. The Company, XXXX XXXX state that they dont have any records of me having a lease or financial account with them. On my report for XXXX and Experian. It states that I made payment to XXXX XXXX and that I have a balance of approximately {$11000.00}, which is false information. This account does not exist. XXXX and Experian have violated my consumer rights. This will be my last complaint to the CFPB. If this matter is not handled after this, I will filing a pre lawsuit against XXXX and Experian","date_sent_to_company":"2023-11-22T04:52:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"104XX","tags":null,"has_narrative":true,"complaint_id":"7884684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-11-22T04:21:54.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["It states that I made payment to XXXX XXXX and that I have a balance of approximately {$11000.00}, <em>which</em> is false information. This account does not exist. XXXX and <em>Experian</em> have violated my consumer rights. This will be my last complaint to the CFPB. If this matter is not handled after this, I will <em>filing</em> a pre <em>lawsuit</em> <em>against</em> XXXX and <em>Experian</em>"],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.104452,"7884684"]},{"_index":"complaint-public-v1","_id":"7523004","_score":17.067303,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"My credit report has a voluntary repossession that resulted from my suing the company for breach of contract after which the company sued me for repossession of the mobile home, my lawsuit is still pending, but suite for repossession went forward. I have a suit against the company for breach of contract And I also have a suit for payment for rental space that the property took up for a year none of which have gone to court and I cant understand how my statement with proof does not remove this voluntary repossession and the cost of the mobile home from my credit report, it shows as a voluntary repossession, but it also shows the balance due I never made a payment on this property and when I called and asked for an investigation or did a dispute credit wise and XXXX, all of the other credit reporting bureaus removed XXXXXXXX XXXX  from my credit report Experian refuses to remove them, and I am not understanding if I have proof that I file suit against this company and this is a two-way thing, why does XXXX get to put damaging information in my file and Im not being able to dispute it and you are in Experian doing a full investigation when I attempted to question this I was told Id have to call XXXXXXXX XXXX no why would they help me when I have a lawsuit against them I feel that I am being treated unfairly, and that the Experian is showing bias by not removing this disputed matter which is really a legal matter between XXXX XXXX , and myself..","date_sent_to_company":"2023-09-08T14:59:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"391XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"7523004","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-08T14:28:21.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["I have a <em>lawsuit</em> <em>against</em> them I feel that I am being treated unfairly, and that the <em>Experian</em> is showing bias by not removing this disputed matter <em>which</em> is really a legal matter between XXXX XXXX , and myself.."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[17.067303,"7523004"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":2810,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":2810}]}},"product":{"doc_count":2810,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2462,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2449},{"key":"Other personal consumer report","doc_count":13}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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