Consumer complaint received 2023-01-09
Company: Experian Information Solutions Inc.
State: OH
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:
I am writing to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by Experian. 

On XX/XX/2022, I sent correspondence to Experian regarding a dispute of certain accounts on my credit file. On XX/XX/2022, I sent additional correspondence to Experian with updated information about the disputed accounts. On XX/XX/2022, I sent further correspondence to Experian requesting the Method of Verification for the disputed accounts. 

On XX/XX/2022, I sent another request for the Method of Verification to Experian. On XX/XX/2022, I sent another request for the Method of Verification to Experian. 

In response to my requests, Experian provided the following information : On XX/XX/2022, Experian provided information regarding a disputed account, stating that they had modified the field ( s ) with *Additional Information. 

On XX/XX/2022, Experian provided information regarding a disputed account, stating that they had modified the field ( s ) with *Additional Information. 

On XX/XX/2022, Experian provided information regarding a disputed account, stating that they had modified the field ( s ) with *Additional Information. 

On XX/XX/2022, Experian provided information regarding a disputed account, stating that they had modified the field ( s ) with *Additional Information. 

However, Experian failed to provide the required Method of Verification in response to my requests. Experian also failed to remove inaccurate information or conduct an FCRA-compliant investigation into the disputed accounts. 

These failures to provide the required proof in response to my request for Method of Verification and to conduct an FCRA-compliant investigation demonstrate a pattern of non-compliance with the FCRA. I have suffered damages as a result of these FCRA violations, including the time and resources spent on attempting to obtain accurate information about my credit history, and the potential negative impact on my credit score and financial opportunities.

FCRA Violations ( not all-inclusive ) : Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable reinvestigation of the disputed accounts within 30 days of receiving the consumer 's dispute.

Experian violated 15 U.S.C. 1681i ( a ) ( 2 ) by failing to provide a complete and accurate written report of the results of the reinvestigation to the consumer, including a notice of the consumer 's right to file a statement.

Experian violated 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the consumer.

Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) by failing to include all relevant information in the reinvestigation, including information provided by the consumer.

Experian violated 15 U.S.C. 1681i ( a ) ( 6 ) by failing to provide the Method of Verification for the disputed accounts in response to the consumer 's request.

Experian violated 15 U.S.C. 1681e ( d ) by failing to maintain strict procedures to ensure the maximum possible accuracy of the information in the consumer 's credit file.

Experian violated 15 U.S.C. 1681i ( a ) ( 5 ) by failing to delete or correct inaccurate or unverifiable information in the consumer 's credit file.

I request that the CFPB investigate these FCRA violations by Experian and take appropriate action to rectify the damages I have suffered as a result of these violations. I also request that Experian be held accountable for its actions and any future violations of the FCRA.

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 explanation