Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I am filing this complaint regarding Experians failure to address the inaccuracies in the reporting of a XXXX account ending in XXXX XXXXXXXX, after several disputes starting as early as XX/XX/year> with dispute report : [ XXXX ]. Despite being repeatedly put on notice of the errors, my disputes have consistently returned as verified and updated, yet none of the inaccuracies have been corrected or removed. 

I am now invoking my right under the FCRA to request the Method of Verification ( XXXX  ) from Experian regarding the results of the dispute report number : [ XXXX ], pursuant to FCRA 611 ( a ) ( 7 ). I am requesting all documentation and contact information for the individual ( s ) who Experian contacted at XXXXXXXX XXXX  to verify this account information, pursuant to FCRA 611 ( a ) ( 3 ) ( c ). Experian has continuously failed to verify the accuracy of the account which raises serious doubts about the validity of the verification process. Failure to provide this hard evidence within 15 days from the receipt of complaint will further demonstrate that the investigation process has been inadequate and incomplete. 

The information furnished by XXXXXXXX XXXX remains inconsistent across the credit bureaus, by re-aging the account and misreporting, the creditor has willingly and intentionally caused harm to my creditworthiness and reputation as a financially responsible person. Experian has alsointentionally and negligently allowed this inaccurate data to remain on my report, directly violating my rights under the Fair Credit Reporting Act ( FCRA ). Both XXXX and Experian have failed to properly investigate, verify, or delete the erroneous information, despite my repeated requests which also violates numerous FCRA and FDCPA laws as listed below : False or misleading representations ( 1692e ) Failure to conduct a reasonable investigation ( 1681i ( a ) ) Reporting inaccurate information ( 1681s-2 ( a ) ( 1 ) ( A ) ) Continued reporting of inaccurate information ( 1681e ( b ) ) Failure to notify of negative information ( 1681s-2 ( a ) ( 7 ) ) Willful noncompliance ( 1681n ) Negligent noncompliance ( 1681o ) Failure to delete inaccurate and unverifiable information ( 611 ( a ) ( 5 ) ) Liability for damages ( 1692k ) Defamation Under FCRA 1681e ( b ), Experian is required to maintain reasonable procedures to ensure maximum possible accuracy. This failure to correct the inconsistencies constitutes a breach of that responsibility and has directly harmed my creditworthiness. Given these repeated failures to comply with federal law and your responsibility as a Consumer Reporting Agency ( CRA ) to ensure accuracy, I request an expedited deletion due to the clear violations and ongoing harm to my credit standing. I have provided ample time and documentation proving that the inaccuracies are obvious and well-documented. Any further delays or attempts to stall compliance will only serve to exacerbate the legal consequences. 

I kindly urge the CFPB to hold Experian accountable for these violations of federal law and to ensure that my consumer rights are upheld. 

Thank you for your attention to this matter.