Consumer complaint received 2024-08-01
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. (GA)

Dear Consumer Financial Protection Bureau, I am writing to formally escalate a complaint against Experian for their persistent and egregious violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve inaccuracies on my credit report, Experian has failed to correct these errors within the required XXXX period, causing significant harm to my creditworthiness. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, like Experian, must investigate and respond to disputes within a specific timeframe. By exceeding the XXXX timeframe to address the disputed information, Experian has directly violated the provisions of 15 USC 1681i ( b ).

The following specific inaccuracies continue to be reported, along with corresponding violations of the FCRA : * XXXX XXXX XXXX, account number XXXX : * Incorrect payment history and charge-off status, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* Potential violations of 15 USC 1666b ( Truth in Lending Act ) related to credit card billing error dispute handling. 
* Potential violations of 15 USC 1601 ( Truth in Lending Act ) related to the overall disclosure of credit terms.

* XXXX XXXX XXXX, account number XXXX : * Inaccurate payment history and incorrect repossession status, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* Potential violations of 15 USC 1666b ( Truth in Lending Act ) related to billing error dispute handling, if applicable to this account type.

* Potential violations of 15 USC 1601 ( Truth in Lending Act ) related to the overall disclosure of credit terms. 
* XXXX XXXX XXXX, account number XXXX : * Incorrect charge-off status and balance, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* XXXX XXXX XXXX ( XXXX XXXX  ), account number XXXX : * Dispute previously resolved but still reported as open, violating 15 USC 1681i ( failure to correct inaccurate information ). 
* XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX : * Incorrectly reported as a collection account, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
* XXXX XXXX XXXX XXXX XXXX XXXX  ), account number XXXX : * Dispute previously raised but still reported as open, violating 15 USC 1681i ( failure to correct inaccurate information ). 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX : * Incorrectly reported as a collection account, violating 15 USC 1681i ( failure to investigate and correct disputed information ). 
Additionally, Experian has failed to investigate and correct unauthorized inquiries on my credit report, which is a direct violation of 15 USC 1681i ( failure to follow reasonable procedures to assure maximum possible accuracy of information ). 
Experian 's continued disregard for consumer rights is evident in their failure to address these issues within the legally mandated timeframe. These inaccuracies have caused severe financial hardship, including difficulty obtaining credit, employment, and other financial services. 
I request that the CFPB investigate Experian 's practices and hold them accountable for their violations of the FCRA. Specific violations include, but are not limited to : * Failure to follow reasonable procedures to assure maximum possible accuracy of information * Failure to communicate with consumers about disputed information * Failure to correct inaccurate information within the XXXX timeframe * Failure to investigate disputed information * Failure to provide clear and conspicuous notice of the nature and scope of consumer reports I am requesting that the CFPB order Experian to immediately correct the inaccuracies on my credit report, conduct a thorough investigation into my account, and provide written confirmation of the corrections. I am also requesting that Experian be required to place a fraud alert on my credit report to prevent further unauthorized inquiries. 
Furthermore, I am seeking monetary damages for the harm caused by Experian 's negligence and violation of my consumer rights. 
Enclosed are copies of my previous correspondence with Experian, my credit report, and supporting documentation. I am available to provide any additional information that may be required. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX