Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I am filing this formal complaint regarding Experians failure to comply with multiple dispute letters I submitted on XX/XX/2024. While Experian responded to some of my disputes via email, this was not what I requested. I explicitly asked that all responses be sent via certified mail due to concerns about protecting my personal information, especially in light of recent data breaches. Despite this, Experian failed to follow my request, and by not responding via certified mail, they have not properly responded to the XXXX dispute letters I submitted. 

Their email responses do not fulfill the legal requirement for a response to my disputes, as I clearly outlined that certified mail was the only acceptable method for communication. Furthermore, they have not labeled their responses, making it unclear which disputes have been addressed and which have been ignored. This neglect reflects a failure to comply with FCRA 's requirements for dispute handling. 

Summary of Disputed Items : Dispute ID : XXXX ( Late Payments and Charge-offs ) I requested corrections and verifications for several late payments and charge-offs across multiple accounts, including XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX . 

Experian has failed to respond to this dispute within the required XXXX period, nor have they provided the original creditor documentation I requested under FCRA Sections 611 ( a ) and 609 ( a ). 
Dispute ID : XXXX ( Exclusion of Third-Party Data Sources ) I requested that Experian exclude third-party data sources such as XXXX and verify all disputed information directly with the original creditors. Experian has not responded, nor provided verification documentation. 

This violates FCRA Section 611 ( a ) ( 1 ), which mandates a reasonable reinvestigation, and FCRA Section 609 ( a ), which requires disclosure of the original source. 
Dispute ID : XXXX ( Comprehensive Validation and Verification of Disputed Items ) I requested comprehensive validation of multiple disputed accounts, including late payments and collections with XXXX XXXX XXXX XXXX, XXXX XXXX, and others . I demanded the original contracts, payment histories, and direct verification from the original creditors. 

Experian did not comply with my request for detailed validation, violating FCRA Sections 609 ( a ) and 611 ( a ). 
Dispute ID : XXXX ( Manual Reinvestigation of Disputed Items ) I explicitly demanded that Experian conduct a manual reinvestigation of my disputes, as automated systems such as XXXX are insufficient to ensure accuracy. 

Experian failed to provide any response to this request and has not conducted a manual reinvestigation, violating FCRA Section XXXX ( a ). 
Dispute ID : XXXX ( Timeline and Procedural Documentation of Reinvestigation ) I requested a detailed timeline and procedural documentation for the investigation of my disputes, including timestamps, the names of personnel involved, and the actions taken. 

Experian did not respond and failed to provide the requested procedural documentation, violating FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). 
Dispute ID : XXXX ( Personal Information Inaccuracies ) I requested that all incorrect personal information, including names and addresses, be removed, and that Experian exclude automated systems from handling this dispute. They have not provided full compliance with my demand. 

Inaccurate names, including XXXX XXXX and XXXX XXXX XXXX, and multiple addresses still remain on my report despite my request for their removal. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : Experian has not responded to XXXX out of XXXX disputes within the legally mandated XXXX period and did not provide results or verification of the disputed items. This constitutes a failure to perform a reasonable reinvestigation. 

Failure to Provide Documentation and Verification ( FCRA Section 609 ( a ) ) : I requested documentation such as original signed contracts, transaction histories, and proof of identity, which Experian has not provided. 

Failure to Exclude Third-Party Data Sources ( FCRA Section 611 ( a ) ) : Despite my explicit request to exclude third-party data sources such as XXXX, Experian failed to verify the information directly with the original creditors as required by the FCRA. 

Failure to Remove Inaccurate Personal Information ( FCRA Section 607 ( b ) ) : Despite my request to remove incorrect names and addresses, several inaccuracies remain, violating FCRA Section 607 ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy of the information they report. 

Neglect in Response Method ( FCRA Section 611 ) : Experian responded to my disputes via email, despite my request that all responses be sent via certified mail due to concerns over data breaches. This disregard for my request reflects negligence on their part in protecting my personal information and complying with FCRA 's standard for proper consumer protection. 

Impact : Experians failure to respond to my disputes and provide the requested documentation has caused : XXXX XXXX : The continued presence of inaccurate information and the use of unsecured email communication has caused significant stress, XXXX, and XXXX XXXX. 
Financial harm : Inaccurate information, including late payments and unauthorized inquiries, has led to credit denials, higher interest rates, and additional financial burdens. 
Requested Resolution : I request that the CFPB require Experian to : Delete all inaccurate items, including incorrect late payments, charge-offs, inquiries, and personal information from my credit report. 
Provide detailed documentation showing how each disputed item was verified with the original creditors, and confirm that no third-party data sources were used. 
Ensure that all future correspondence be sent via certified mail with return receipt requested, as I explicitly stated that electronic responses would not be accepted.