Product: Credit reporting or other personal consumer reports

Detailed Complaint : FCRA Violations Against Experian To : Experian Information Solutions , Inc . 

Experian XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau ( CFPB ) Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission ( FTC ) Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Texas Attorney Generals Office Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX, TX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX 
[ Contact Information : Phone : XXXX | Email : XXXX ] Subject : Formal Complaint Regarding FCRA Violations and Experian 's Failure to Comply with Federal and State Regulations Date : XX/XX/XXXX Nature of Complaint This complaint pertains to Experians repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related Texas consumer protection laws. Below is a detailed list of the violations, supporting evidence, and demands for immediate corrective actions.

Key Violations Identified 1. Inaccuracies in Reporting ( FCRA 1681s-2 ) XXXX XXXX XXXX and other creditors reported inaccurate payment histories, such as charge-offs and delinquency dates. 

Example : XXXX XXXX XXXX marked a paid account as charged off. 

2. Failure to Properly Investigate Disputes ( FCRA 1681i ) Items labeled as " remained unchanged '' despite disputes suggest Experian failed to conduct a thorough reinvestigation of the disputed information.

3. Improper Collection Account Reporting ( FCRA 1681a ( d ) ) Collection accounts ( e.g., XXXX XXXX XXXX and XXXX. XXXX XXXX ) were not verified with accurate debt ownership details or amounts, potentially involving deceptive practices. 

4. Potential Deceptive Practices Repeated updates on previously disputed accounts without resolution may misrepresent the account status or delay corrective actions.

5. Improper Third-Party Sharing ( FCRA 1681b ) Sharing of transactional data, such as internal remarks or inaccurate delinquency records, with third parties ( e.g., XXXX ) XXXX without proper verification. 

XXXX. Violations of Address and Employment Accuracy Requirements Outdated Addresses : The Experian report includes multiple outdated and inaccurate addresses, such as : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Outdated Employer : XXXXXXXX XXXX XXXX  XXXX is inaccurately listed as my current employer. 

Current information : Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. Violations of Additional FCRA Provisions 15 U.S.C. 1681c : Outdated addresses and employer information on the report may constitute obsolete and inaccurate data, violating the requirement for timely and accurate updates.

15 U.S.C. 1681g : If Experian failed to provide full disclosure of all information in the file during the disputes, it violates disclosure requirements.

15 U.S.C. 1681h : Any unreasonable barriers or practices imposed by Experian during file disclosures could further infringe on consumer rights.

15 U.S.C. 1681m : If adverse actions were taken based on Experians inaccurate reports without proper notification, it breaches adverse action notification requirements. 

15 U.S.C. 1681s-2 : Creditors like XXXX XXXX XXXX are responsible for correcting inaccurate information and failed to fulfill their duty. 

15 U.S.C. 1681s-2 ( b ) : If furnishers of disputed information failed to investigate upon notification, they violated their obligation to conduct an adequate review and provide accurate updates to Experian. 

XXXX. Violations of Texas Consumer Protection Laws Texas Deceptive Trade Practices Act ( DTPA ), XXXX  XXXX : Experians actions constitute false, misleading, or deceptive acts under Section 17.46 ( b ) by repeatedly reporting inaccurate and outdated information.

Repeated failure to reinvestigate disputes reflects unconscionable practices, taking advantage of my limited ability to verify and correct the reported data.

Texas Business & Commerce Code, XXXX XXXX : Sharing outdated and unverifiable personal information with third parties violates privacy safeguards. 

Failure to investigate disputed collection accounts ( e.g., XXXX XXXX XXXX and XXXX. XXXX XXXX ) undermines identity theft protections under Section 521.101. 

Texas Finance Code 392.202 : Third-party debt collectors must investigate and correct inaccuracies in their files. Experians failure to verify such information may violate this statute.

Texas Business & Commerce Code 20.06 : Requires consumer reporting agencies to block and not report information related to fraudulent accounts.

Texas Business & Commerce Code 20.07 : Mandates notification to consumers within a reasonable time after deleting inaccurate information.

Texas Business & Commerce Code 20.08 : Requires timely reinvestigations of disputed information, within 30 days of receiving notice.

Texas Business & Commerce Code 20.09 : Obligates furnishers to investigate disputed data and report results to consumer reporting agencies.

Texas Business & Commerce Code 20.10 : Restricts the reporting of obsolete information, including outdated addresses and employer details.

Texas Business & Commerce Code 20.11 : Provides consumers with the right to seek civil remedies, including damages, for violations of credit reporting laws.

9. Violations of 15 U.S. Code 1666b Timing of Payments Experians actions may implicate 1666b, which addresses proper timing of payments and credits to accounts. If payment histories, such as those reported by XXXX XXXX XXXX, were inaccurately labeled or timed, this could represent non-compliance with the statute. 

XXXX. General Responsibilities Under the FCRA ( 15 U.S.C. 1681 et seq. ) Duty to Ensure Accuracy ( 15 U.S.C. 1681e ) : Experian must follow reasonable procedures to ensure maximum accuracy of reported information.

Consumer 's Right to Dispute ( 15 U.S.C. 1681i ) : Consumers are entitled to dispute inaccurate information, and CRAs must investigate within 30 days, correcting or deleting any unverifiable or inaccurate data.

Responsibilities of Furnishers ( 15 U.S.C. 1681s-2 ) : Entities providing information must ensure its accuracy and promptly correct errors upon discovery or notification.

Liability for Noncompliance ( 15 U.S.C. 1681n and 1681o ) : Willful Noncompliance : Consumers may seek actual damages, statutory damages, punitive damages, and attorney 's fees.

Negligent Noncompliance : Consumers may seek actual damages and attorney 's fees.

Remedies for False Reporting Dispute with CRA : File a formal dispute with Experian to address false information.

Complaint to CFPB : Escalate unresolved disputes by filing a complaint with the CFPB.

Legal Action : Pursue damages against Experian or data furnishers for false reporting under FCRA provisions.

Request for Compliance and Transparency In accordance with the FCRA, I respectfully request the following : Details on the Investigation Process : Specific steps taken to investigate each disputed item.

Explanation of how the accuracy of each item was verified.

Source of Information : The name, direct contact information, and role of the furnisher ( s ) who verified the disputed information. 

Validation Documentation : Copies of any documentation or evidence used to verify the accuracy of the disputed items. 

Reinsertion Explanation : For any reinserted items, an explanation of the process and compliance with FCRA requirements. 

Additional Context Regarding Experian Experian, as a credit reporting agency, has a duty and responsibility to protect, safeguard, and provide accurate information regarding consumer records. Having been in business since 1826a remarkable 199 yearsand currently being publicly traded with a market cap of {$32.00} XXXX and a share price of {$42.00}, Experian has profited greatly from handling sensitive consumer data. However, the dissemination of false or misleading information tarnishes the lives of countless consumers. It is imperative that you fulfill your obligation to ensure the accuracy and integrity of the information you report. 

In light of the above, I request that Experian exercise full compliance with the FCRA. To emphasize the importance of compliance, here are examples of violations from previous cases : CFPB Lawsuit ( XXXX ) : Allegations of inadequate investigations into consumer disputes, leading to reinsertion of false information into credit files, negatively impacting consumers ' financial standing. 

{$22.00} XXXX Settlement ( XXXX ) : Resolution of claims that Experian harmed consumers by disseminating reports containing inaccurate or obsolete information. 

{$16.00} XXXX Settlement ( XXXX ) : Experians failure to properly investigate disputes regarding inaccurate credit reports. 


Texas Attorney General Actions : In XX/XX/XXXX, a settlement with Experian, XXXX, and XXXX mandated enhancements to dispute handling, stricter data monitoring, and escalated processes for handling disputes. 

Expectations and Next Steps If Experian verifies that the disputed information is correct, I request full disclosure of the source of the information, including : The name and contact information of the entity that provided the information. 

Documentation and evidence used to validate the information as accurate. 

A detailed explanation of the process used to verify the information. 

Failure to resolve these matters within the stipulated timeframe will prompt escalation to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action. 

Thank you for your immediate attention to these issues. Please contact me at XXXX or XXXX for further clarification or documentation. 

Contact Information Please direct all correspondence to : XXXX XXXX Email : XXXX Phone : XXXX Thank you for your immediate attention to this matter. I look forward to your response within the 30-day timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX