Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: LA
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:
Experian XXXX XXXX XXXX XXXX XXXX  XXXX RE : FAILURE TO COMPLY To Whom it may concern : Experian is in violation of Uniform Alignment Compliance as required by the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ensures that CRAs are reporting the same information and that information is XXXX compliant. XXXX dictates that CRAs must have XXXX XXXX XXXX. XXXX was developed by XXXX, Experian, XXXX, and XXXX as a shared automated system to meet the regulatory requirements stipulated in Section 611 ( a ) ( 5 ) ( D ) of the Fair Credit Reporting Act ( FCRA ). XXXX is a web-based, XXXX XXXX XXXX, automated system that enables Data Furnishers XXXX XXXX ), and Credit Reporting XXXX XXXX XXXX ) to create and respond to consumer credit history disputes. The intended purpose of the XXXX system is to ensure complete and accurate reporting. 

I have disputed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX accounts with XXXX and XXXX due to FCRA violations. XXXX and XXXX DELETED the XXXX accounts due to FCRA violation. I disputed the same XXXX accounts with Experian for the same FCRA violations, but Experian failed to DELETE the accounts. 


Experian has failed to meet its statutory obligations as required by the FCRA. Experian is also in violation of the guidelines set forth by the industry standards. These violations by Experian has resulted in Experian knowingly and willfully providing false, inaccurate, incomplete, and misleading information on my consumer report. This has also resulted in damage to my reputation, character, and credit worthiness. 

Pursuant to 15 U.S.C. 1681e ( b ) and section 607 ( b ) of the Fair Credit Reporting Act. Experian has a duty to ensure maximum accuracy of the information reported and published on my Experian consumer report.

Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information.

Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.

Experian continues to violate my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. 

Experian is engaging in fraudulent, deceptive, and unfair business practices by failure to comply with the industry standard of Uniform Alignment Compliance as required by the XXXX XXXX compliance system. This failure by Experian has resulted in Experian violating my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of 2016. 

I am prepared to file suit against Experian for violation of XXXX XXXX. XXXX for failure to conduct a reasonable investigation to determine whether disputed information is accurate, XXXX XXXX Code XXXX - Civil liability for willful noncompliance and for violation of Regulation V. These XXXX violations constitute a violation of The Consumer Protection Act. 
Pursuant to 15 U.S. Code 1681c-2 ( a ), you are hereby provided notice that within five ( 5 ) days ( 1 ) Delete the above listed accounts due to violation of the Uniform Alignment Compliance as required by the XXXX XXXX XXXX XXXX. 

STATEMENT PURSUANT TO XXXX Code 1681c-2 ( a ) ( 4 ) Experian has failed to meet its statutory obligations and is knowingly and willfully providing false, inaccurate, incomplete, and misleading information on my consumer report. This has resulted in damage to my reputation, character, and credit worthiness. 
Experian is engaging in fraudulent, deceptive, and unfair business practices by violating the industry standard set by the XXXX XXXX compliance system. This non-compliance has caused Experian to violate my Consumer Rights, the FCRA, The Comprehensive Consumer Credit Reporting Reform Act of 2016. 
I am also prepared to call upon the CFPB, The Louisiana Attorney Generals Office and XXXX  as witnesses to me notifying you of your violations of my Consumer Rights, The FCRA, The CFPA and The Comprehensive Consumer Credit Reporting Reform Act of 2016. If these demands are not met within the time prescribed by law, an immediate action will be filed against your agency, whereas if such agency does not act, they may also be liable to the consumer, and we shall seek to recover any damages. These demands are made in accordance with federal law.

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