Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : I am filing this formal complaint against Experian Information Solutions , Inc. for allowing inaccurate, incomplete, and misleading information to remain on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Experians failure to correct errors, report missing information, and re-age accounts has caused significant harm to my creditworthiness and violates my consumer rights under the FCRA. 

Despite multiple dispute attempts, Experian has not adequately investigated the errors or removed unverifiable data as required by law. Additionally, Experian is allowing collection agencies to re-age accounts, report duplicate or incomplete data, and mislead lenders and creditors about my financial responsibility. 

Details of Violations : Inaccurate Reporting of Accounts : Accounts report incorrect balances, missing payment history, and contradictory statuses ( e.g., closed accounts reporting as delinquent ).

Re-aging of Accounts : Collection accounts have been updated repeatedly, resetting the 7-year reporting clock illegally, extending the impact of negative data beyond the allowable period.

Incomplete and Missing Information : Many accounts lack critical information, including high balances, monthly payment terms, and proof of debt validationrendering them unverifiable under FCRA Section 609 ( a ) ( 1 ).

Failure to Investigate and Correct Errors : Despite prior disputes, Experian failed to investigate the errors within 30 days as required by FCRA Section 611 ( a ), and continued reporting unverified data. 
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FCRA Violations Identified : FCRA Section 609 ( a ) ( 1 ) : Experian failed to report complete and accurate data, including balances, payment terms, and high balances.

FCRA Section 611 ( a ) : Experian did not properly investigate disputes within the required 30 days and continued reporting unverified information.

FCRA Section 623 ( a ) : Experian allowed furnishers to report inaccurate data, including re-aged accounts and duplicate entries.

FCRA Section 605 ( c ) : Experian permitted re-aging of accounts, illegally extending negative reporting periods.

FDCPA ( 15 U.S.C. 1692g ) : Experian allowed debt collectors to report accounts without providing proof of debt validation when requested.

Requested Resolution : I respectfully request the CFPB to investigate Experians noncompliance with the FCRA and enforce the following actions : Immediate Deletion of the Inaccurate Accounts Listed Above : Remove all unverifiable, incomplete, or inaccurate data that violates the FCRA.

Validation of Debt Ownership : Require Experian to verify ownership transfers and provide documentation proving debt validation under FCRA Section 609 ( a ) ( 1 ).

Correction of Reporting Timelines : Ensure Experian resets the reporting period to reflect the true date of first delinquency and not the transfer date to collection agencies.

Updated Credit Report : Provide an updated credit report reflecting the deletions or corrections made as a result of this complaint.

Penalties for Noncompliance : Impose fines and penalties for Experians failure to comply with the FCRA, resulting in damages to my creditworthiness.

Conclusion : Experians failure to investigate disputes, correct inaccurate reporting, and enforce FCRA compliance has caused significant harm to my credit profile. I request the CFPBs intervention to resolve these issues and hold Experian accountable for their noncompliance. 

Thank you for your prompt attention to this matter. 

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