Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Case Number is XXXX Experian has been non-compliant with federal law and that is unacceptable. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with Experian on this matter, for the purpose of filing a complaint with the FTC should they continue non-compliant. I further remind you that, as in XXXX v XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), which states that Experian may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on multiple occasions, over more than 75 days : XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX I hope that they immediately remove this inaccurate and incomplete information, or I will file a formal complaint with the FTC. Should they continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from Experian.

15 U.S. Code 1681d - Disclosure of investigative consumer reports- Failed 15 U.S. Code 1681n - Civil liability for willful noncompliance I did upload this reinvestigation request on 7/3/2022 I did receive an email saying my investigation was open and as of 7/6/2022 I received an email stating my disputes have been completed for the accounts mentioned above. 

On my dispute letter I have requested that I get the following information from Experian : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Obviously, this was not investigated and corrected and I will show another fact below XXXX XXXX XXXX XXXXXXXX Account XXXX, has incorrect account number. Wrong open date and showing a past due balance. 
It is non-compliant to show a past due balance on a Charged-off account. Clearly, Experian is reporting Past Due {$820.00} -Which is a major violation and I demand that this gets deleted Immediately. 

XXXX XXXX  XXXX Account XXXX Wrong Open date, and also showing a past due balance. Clearly, Experian is reporting Past Due {$1800.00} -Which is a major violation and I demand that this gets deleted Immediately. 



Not only is this matter causing me financial burdens but also mental health issues. My anxiety has been over the roof, I keep getting responses as my request has been processed and investigated without it being done. 

I bring the facts here for assistance and demand that you help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief