Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

Consumer Complaint Against Experian for FCRA Violations on Multiple Accounts and Inaccurate Personal Information Description of the Issue : I am filing this complaint against Experian for failure to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) regarding multiple requests to validate debts, reinvestigate disputes, and correct inaccurate personal information on my credit report. Despite my repeated attempts over several months, Experian has failed to respond and comply with FCRA regulations. 
Accounts in Question and Incorrect Addresses - Accounts : XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX IN - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline of Communication : Request to Correct Inaccurate Personal Information - On XX/XX/XXXX, I mailed Experian a request to remove the incorrect addresses listed on my report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and replace them with my current address. This request aligns with FCRA Section 611 ( a ) ( 1 ) ( A ), which mandates that Experian maintain accurate and complete personal information. Experian has not acknowledged or responded to this request, resulting in continued inaccuracies on my report. 
Validation of Debt Request - On XX/XX/XXXX, I sent a letter to Experian requesting validation of the listed debts. Under Section 611 of the FCRA, Experian is required to conduct an investigation within 30 days ( or 45 days if additional documentation is required ). Experians lack of response within this timeframe represents a violation of my right to prompt validation of the disputed debts. 
Request for Reinvestigation - On XX/XX/XXXX, after Experian failed to validate the debts or respond, I sent a letter requesting a reinvestigation of the accounts. According to Section 611 ( a ) ( 6 ) of the FCRA, Experian is required to provide a notification of investigation results once the reinvestigation is complete. However, Experian has not responded or provided any documentation regarding the status or results of the investigation. 
Final Follow-Up - On XX/XX/XXXX, I sent a final follow-up letter reiterating my requests for validation, reinvestigation, and correction of the inaccurate addresses. To date, Experian has not responded to any of these letters or provided any acknowledgment or results as required by law. 
Relevant FCRA Violations : Experians failure to investigate, respond, and maintain accurate personal information constitutes the following FCRA violations : Failure to Investigate Disputed Information ( Section 611 ( a ) ( 1 ) ( A ) ) : Experian is required to complete an investigation within 30 days of receiving a consumers dispute ( or 45 days if additional documentation is provided ). Experian has not fulfilled this obligation, as no responses or investigation results have been provided for over three months.

Failure to Notify Investigation Results ( Section 611 ( a ) ( 6 ) ) : The FCRA mandates that consumer reporting agencies must provide consumers with the results of any investigation. Experians lack of communication regarding the disputed accounts and the inaccurate addresses is a direct violation of this requirement.

Failure to Maintain Accurate Consumer Information ( Section 611 ) : Experian has failed to correct two outdated addresses on my report, compromising the integrity of my personal information and accuracy of my report. The FCRA mandates that credit bureaus ensure all consumer information is accurate and up to date, which Experian has not achieved. 
Documentation Provided : For the CFPBs review, I am enclosing all letters sent to Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with my identification. These documents serve as evidence of Experians failure to respond within the legally required timeframes and fulfill its FCRA obligations. 
Conclusion : Experians ongoing failure to respond, validate debts, investigate disputes, and correct personal information constitutes a violation of my rights under the FCRA. I request the CFPBs assistance in enforcing compliance with federal law and ensuring that my credit profile is promptly corrected.