Product: Debt collection

I AM ENCLOSING THIS COMPLAINT AS A XXXX  DOCUMENT ALSO IN CASE THR FORMAT HERE DOES NOT TURN OUT GOOD Subject : Complaint Against Experian for Noncompliance with FCRA and Consumer Protection Laws Complaint Summary : Experian has failed to correct an inaccurate collection entry on my credit report despite overwhelming evidence that the entry is false. This failure violates federal and Massachusetts consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). XXXX refusal to remove the inaccurate entry, mishandling of my dispute, and disregard for evidence provided demonstrate noncompliance with its legal obligations. 

Details of the Complaint : 1. Inaccurate Collection Entry : Experian is reporting a collection entry that is demonstrably inaccurate. This entry relates to a vendors claim that was reviewed and ultimately dismissed by an independent debt collector ( XXXX XXXX ), who determined I did not owe any money in connection with the matter. Despite this resolution and clear evidence disproving the vendors claim, Experian has refused to remove the inaccurate entry from my credit report. 

2. Failure to Conduct a Reasonable Investigation : Under 15 U.S.C. 1681i ( a ) of the FCRA, Experian is required to conduct a reasonable investigation into disputed credit report entries. However, Experian has consistently relied on unsupported assertions from the vendor without addressing the substantial evidence I have provided, including : Documentation from XXXX XXXX, the independent debt collector, confirming that I do not owe the alleged debt. 
That the vendors claims are unsupported and inaccurate, submitted directly to Experian on multiple occasions and through CFPB complaints. 
Over XXXX pages of facts and proof documentation on vendors inaccuracies of various kinds. 

XXXX refusal to conduct an adequate investigation or consider the evidence provided violates its statutory obligations under the FCRA. 

By refusing to remove the inaccurate collection report despite substantial evidence, Experian appears to be supporting the vendors unverified claims and prioritizing their interests over compliance with the FCRA and consumer protection laws. This failure to act in good faith further undermines the accuracy and integrity of consumer reports. 

They have been giving increasingly inaccurate responses as additional evidences are provided and their errors were pointed out. The latest of complaints against Experian is complaint ID XXXX dated XX/XX/year> and earliest is XXXX dated XX/XX/year>. 

XXXX. Violation of Dispute Rights : Experian removed my dispute statement from my credit file early in the process, in violation of 15 U.S.C. 1681i ( c ). Federal and state consumer protection laws require that a consumers statement regarding disputed entries remain on the file during and after the dispute process. Experians premature removal of my statement reflects a lack of transparency and compliance with its legal responsibilities. 

XXXX. Irrelevant and Misleading Responses : Experian has repeatedly responded to my complaints, both directly and through CFPB, with irrelevant and misleading information. Initially, Experian falsely claimed that the vendor had reported the account as closed at my request, a statement that is incorrect. After pointing that error as well, Experian shifted to nonsensical responses, failing to address the core issue of the entrys inaccuracy. This pattern of unresponsiveness highlights Experians failure to act in good faith. 

In another communication, Experian wrote that no such collection record exists in my credit report. Given the number of attempts I have made and that is the only collection notation in my credit report, it is hard to miss by Experian. This further emphasizes the continual misleading of CFPB by Experian. 

XXXX. Mischaracterization of the Dispute Experian has falsely claimed that I reported identity fraud, which I have never alleged. This misrepresentation mischaracterizes the nature of my dispute and further demonstrates XXXX negligence or intentional deflection from the central issue. 

XXXX. Harm Caused by Experians Actions Experians failure to correct this inaccurate entry has caused significant harm, including : Emotional distress from dealing with prolonged disputes and unresolved inaccuracies. 
Time and resources wasted responding to Experians repeated requests for information that has already been provided. 
Potential impacts on my creditworthiness, such as higher interest rates or denial of credit, due to the inaccurate collection entry remaining on my report. 

Supporting Evidence : I have submitted extensive documentation ( over XXXX page facts and proof ) directly to Experian and through CFPB, including : 1. The vendor sending to the independent debt collector, XXXX XXXX, who after contacting facts from me, decided that I did not owe money to the vendor and dropped the collection. 
2. Proof of inaccuracies in the vendors claim, such as inconsistent statements from the vendor and documents disproving their assertions.

3. Documentation of Experians repeated requests for information I had already provided and irrelevant responses that fail to address the issue.