Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: FL
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 file a complaint against Experian regarding inaccurate information on my credit report. According to my most recent credit report, Experian is reporting several collections that are not mine and have no relation to me whatsoever. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and I request that Experian take immediate action to remove these items from my credit report. 

The accounts that are illegally and inaccurately being reported are : XXXX  account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX number XXXX XXXX  XXXX Account number XXXX I believe Experian is in violation of several sections of the FCRA, including : Section 604, which requires credit reporting agencies ( CRAs ) to provide consumers with a copy of their credit report upon request. It also requires CRAs to disclose to consumers the sources of the information in their credit reports. 
Section 609, which requires CRAs to provide consumers with a notice of their rights under the FCRA when they receive a copy of their credit report. The notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. 
Section 611, which requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. It also requires CRAs to reinvestigate disputes if the consumer provides new information. 
Section 615, which requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. It also sets out the conditions under which CRAs may furnish credit reports to third parties. 
Section 623, which includes subsections ( a ) ( 1 ), ( a ) ( 2 ), ( b ), and ( c ). These subsections require CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports, require furnishers of credit information to provide complete and accurate information to CRAs, require CRAs to reinvestigate consumer disputes if the consumer provides new information, and require CRAs to delete information that is outdated, incorrect, or can not be verified. 
I have attempted to resolve this issue with Experian by disputing the inaccurate information through their online portal and via certified mail, but they have failed to respond or take any action to correct the inaccuracies. As a result, I am now turning to the Consumer Financial Protection Bureau for assistance. 

I am requesting that Experian take immediate action to remove these inaccurate items from my credit report and provide me with a corrected copy of my credit report. I also request that Experian investigate the sources of the inaccurate information and take appropriate action to prevent this from happening in the future. 

Furthermore, I believe that Experian 's failure to comply with the FCRA constitutes a willful violation of my rights under the law. I am therefore requesting that Experian compensate me for any damages resulting from their willful noncompliance and take immediate action to correct my credit report. If Experian fails to comply with this demand, I will have no choice but to consider legal action, including filing a lawsuit against them to seek damages and attorneys ' fees. 

Thank you for your attention to this matter. Please let me know if you require any further information.

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