Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Formal Complaint Against Experian Regarding Erroneous Debt from XXXX XXXX  XXXX I am writing to formally file a complaint against Experian regarding a debt erroneously reported under my name, allegedly owed to XXXX XXXX XXXX XXXX Despite my repeated attempts to correct this mistake, Experian has failed to adequately investigate the dispute, largely due to the inherent flaws in the e-Oscar system. 

I noticed that Experian was reporting a debt from XXXX XXXX XXXX on my credit report. This debt is not mine, and I have never had any financial relationship with XXXX XXXX XXXX. Naturally, I initiated a dispute through Experian, providing comprehensive documentation to prove that this debt does not belong to me. 

**Issues with e-Oscar : ** To my dismay, I discovered that my dispute had been processed through the e-Oscar system. As you are likely aware, e-Oscar reduces detailed consumer disputes to standardized codes, which are then sent to the data furnisherin this case, XXXX XXXX  XXXXfor verification. This system, while efficient in handling large volumes of disputes, is deeply flawed for several reasons : 1. **Oversimplification of Disputes : ** My detailed explanation, evidence, and supporting documents were reduced to a simple code that likely did not capture the full context of my dispute. The nuances of my situation were lost in translation, leading to an incomplete and unfair review. 

2. **Inadequate Investigation : ** Given the reliance on e-Oscar, I believe that XXXX XXXX XXXX did not conduct a thorough investigation into my dispute. Instead, they likely responded based on the limited information provided by the code, which misrepresented the facts. 

3. **Misuse of Codes : ** I suspect that incorrect or overly broad codes were used in my case, leading to a confirmation of the debt that does not belong to me. For example, instead of a code reflecting a claim of identity theft or fraud, a more generic code such as " dispute validity of debt '' may have been used, failing to trigger a proper investigation. 

4. **Bias Towards Data Furnishers : ** The e-Oscar system inherently favors data furnishers over consumers. As a result, Experian and XXXX XXXX XXXX did not take my dispute seriously and continued to report this erroneous debt. 

**Request for Investigation : ** I am requesting the CFPB to conduct a thorough investigation into the handling of my dispute by Experian , specifically focusing on how the e-Oscar system was utilized. I firmly believe that Experian did not meet its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information reported on my credit file. 

Furthermore, I request that the CFPB require Experian to conduct a manual review of my dispute, bypassing the e-Oscar system entirely. My dispute should be investigated based on the full context and documentation I provided, rather than through automated codes that do not accurately reflect my situation. 

I trust that the CFPB will take this matter seriously and hold Experian accountable for its failure to properly investigate my dispute. I look forward to your response and to having this erroneous debt removed from my credit report. 

EXPERIAN FAILED TO ANSWER AFTER 30 DAYS WHICH IS ILLEGAL AND BY LAW THEY MUST REMOVE THIS DEBT, WHICH ISN'T MINE. FROM MY REPORT.