Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/XXXX Subject : Complaint Against Experian for Non-Compliance with FCRA, FDCPA, and PAANL Obligations Complainant : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX, South Carolina XXXX SSN : XXXX DOB : XX/XX/XXXX Complaint Against : Experian Credit Bureau Address : Legal Department Subject of Complaint : Inaccurate Information Reporting and Failure to Correct Disputed Errors Details of the Complaint : I am filing this complaint because Experian has continually failed to address inaccuracies in my credit report, despite multiple notifications and dispute requests. The errors include incorrect account numbers and inaccurate reporting of a late payment linked to XXXX  XXXX ( Account Numbers : XXXX, XXXX ), which negatively impacts my credit history. Experian 's refusal to correct this information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 

Specific Violations : Failure to Investigate Disputed Information ( 15 USC 1681s2 ) Experian has failed to correct or delete inaccurate information after being notified, in direct violation of their legal responsibilities. Despite my clear and repeated disputes, Experian has not taken corrective actions and continues to report false details.

Non-Compliance with Reasonable Investigation Requirements ( 15 USC 1681i ( a ) ) Experian has not conducted a thorough investigation of my disputes within the required time frame. They have not provided me with any formal response or validation, and there is no documentation supporting the legitimacy of the negative entries. This is a violation of my due process rights. 

Failure to Maintain Accurate Information ( 15 USC 1681e ( b ) ) Experian is legally obligated to ensure that the information they provide is accurate and verified. The reporting of the XXXX XXXX accounts is incorrect and unverified. This lack of compliance constitutes negligence. 

Misleading Reporting Practices ( FDCPA and 15 USC 1692e ) Experian is presenting misleading information in my report, which is damaging my reputation and credit. Despite the dispute, Experian continues to misrepresent my credit standing by maintaining false entries. 

Failure to Validate Debt ( 15 USC 1692g ( b ) ) Under FDCPA regulations, Experian must validate any disputed debts within the required timeline. No such validation or proof has been provided, which constitutes another failure of duty. 

Violation of the Protection Against Non-Payment of Obligations Act ( PAANL ) Due to Experians failure to provide timely and accurate updates, I have been unfairly penalized. The PAANL mandates that creditors ensure transparent and accurate communication, which Experian has not upheld. 

Violation of Equal Credit Opportunity Act ( 15 USC 1691 ) The continued failure to respond to my disputes, rectify the issues, and provide me the same due process afforded to other consumers may be viewed as discriminatory, violating the Equal Credit Opportunity Act and other principles of fair credit practices.