Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian Information Solutions , Inc. for Violations of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian Information Solutions , Inc. ( " Experian '' ) for its failure to comply with the Fair Credit Reporting Act ( FCRA ) and other federal and state consumer protection laws. Despite repeated disputes and requests for a reasonable reinvestigation, Experian has failed to correct inaccurate information on my credit report, thereby damaging my creditworthiness and violating consumer rights. The facts presented show this is unjustified.

1. Summary of Violations Committed by Experian A. Failure to Conduct a Proper Investigation into My Dispute XX/XX/XXXX : I formally disputed the inaccurate reporting of my XXXX XXXX XXXX account via U.S. Certified Mail ( Tracking Number : XXXX ). 

XX/XX/XXXX : My dispute was delivered and received by Experian in XXXX XXXX, CA at XXXX XXXX XXXX

Experians Obligation : Under 15 U.S.C. 1681i ( a ), Experian was required to conduct a thorough reinvestigation and forward all relevant documentation to XXXX XXXX XXXX. 

Violation : Experian failed to conduct an independent review and instead accepted the response from XXXX XXXX XXXX without verifying its accuracy, in violation of FCRA 1681i ( a ) ( 1 ) ( A ).

B. Discrepancies Between Credit Bureaus - Evidence of Experian 's Inaccuracy XXXX Report ( XX/XX/XXXX ) : Indicates the XXXX XXXX XXXX account as Paid in Full with a {$0.00} balance after a charge-off. 

XXXX Report ( XX/XX/XXXX ) : Also confirms a {$0.00} balance, stating that the charge-off was resolved by the data furnisher. 

Experian Report ( XX/XX/XXXX ) : Continues to report a {$4600.00} charge-off balance, falsely indicating that the account remains delinquent.

Violation : Experians failure to update my report with accurate information violates FCRA 1681e ( b ) ( Duty to Ensure Maximum Accuracy ) and FCRA 1681i ( a ) ( 5 ) ( Failure to Correct Inaccurate Information ).

C. Failure to Provide Clear Reinvestigation Results Experians dispute resolution response states " remains unchanged '' but does not provide : Verification evidence from XXXX XXXX XXXX. 

An explanation for why the charge-off remains on my credit report despite clear contradictory evidence from XXXX and XXXX. 

Violation : FCRA 1681i ( a ) ( 6 ) ( A ) mandates that consumers receive a clear reinvestigation response, which Experian has failed to provide.

2. Additional Evidence of Experians Systemic Consumer Rights Violations A. Other Consumer Complaints Against Experian Complaint ID # XXXX : Experian failed to remove a XXXX XXXX XXXX charge-off despite evidence of payment. 

Complaint ID # XXXX : Experian continued reporting a collection account beyond the 7-year statutory reporting limit.

Complaint ID # XXXX : Experian refused to provide documentation verifying account accuracy, in violation of FCRA 1681i ( a ) ( 6 ) ( A ).

Pattern of Misconduct : These cases indicate that Experian has a systemic issue with failing to conduct proper reinvestigations and complying with consumer protection laws.

B. Legal Actions Filed Against Experian for Similar Violations XXXX XXXX XXXX XXXX XXXX XXXX Court Records : Numerous lawsuits have been filed against Experian for failing to investigate disputes and correct inaccuracies. 

XXXX XXXX XXXX XXXX : Over 65 lawsuits have been filed against Experian for similar credit reporting errors, including : Case :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Filed XX/XX/XXXX ) This case mirrors my issue regarding Experians failure to correct inaccurate charge-offs.

Legal Implication : This demonstrates a pattern of willful noncompliance, strengthening my claim of negligence and supporting potential punitive damages.

3. Legal Violations Committed by Experian A. Federal Fair Credit Reporting Act ( FCRA ) Violations FCRA 1681e ( b ) : Failure to Ensure Maximum Accuracy FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to Conduct a Reasonable Reinvestigation FCRA 1681i ( a ) ( 5 ) : Failure to Correct or Delete Inaccurate Information FCRA 1681i ( a ) ( 6 ) ( A ) : Failure to Provide Reinvestigation Results FCRA 1681n & 1681o : Willful or Negligent Noncompliance B. Texas Consumer Protection Violations Texas Deceptive Trade Practices Act ( DTPA ) False reporting and failure to reinvestigate disputes constitute deceptive practices.

Texas Finance Code 392.202 Experian did not verify collection account accuracy before reporting.

Texas Business & Commerce Code 20.06-20.11 Experian failed to block fraudulent accounts and correct obsolete data.

4. Requested Corrective Actions from CFPB I formally request that the CFPB take immediate action against Experian to ensure compliance with the FCRA and other consumer protection laws. I demand the following : An immediate and independent reinvestigation of my dispute with XXXX XXXX XXXX. 

Correction or deletion of all inaccurate information related to my XXXX XXXX XXXX account. 

Written assurance from Experian that they will comply with their legal obligations under FCRA and CFPA.

Monetary redress for financial harm due to Experians negligent reporting.

Regulatory penalties imposed on Experian for repeated violations of consumer protection laws. 

Sincerely, XXXX XXXX