Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ). Despite my formal dispute sent to Experian on XX/XX/XXXX XXXX XXXX Experian has failed to comply with their legal obligations under the FCRA to properly investigate and verify disputed items on my credit report. This has resulted in significant financial and emotional harm. 

Details of the Dispute : In my dispute letter dated XX/XX/XXXX, I requested a comprehensive reinvestigation of several inaccurate items on my Experian credit report. I provided complete details of the disputed items, which included multiple late payments, charge-offs, and collections. Specifically, I disputed the following : XXXX Incorrectly reported multiple late payments. 
XXXX XXXX Incorrect late payments for XXXX XXXX XXXXXXXX. 
XXXX XXXXXXXX Incorrect reporting of a late payment in XXXX. 
XXXX XXXXXXXX XXXX Incorrect late payment reports for XXXXXXXX XXXX XXXX XXXX 
XXXX Incorrect repossession report. 
XXXX XXXX XXXX XXXXXXXX XXXX reported inaccurately. 
XXXX XXXX XXXX Incorrect collection account. 
XXXX XXXX XXXX Incorrect collection account. 
XXXX XXXX XXXX Incorrect charge-off report. 
FCRA Violations : Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ( a ) ) Experian has failed to conduct a proper reinvestigation as required under the FCRA. I have not received any documentation or direct verification from the original creditors, which is required by law.

Failure to Provide Direct Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) My request for full documentation and verification from the original creditors was ignored. Experian has relied on automated systems, which do not meet the legal standards for verification under the FCRA. 
Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Experian continues to report inaccurate and unverifiable information, causing significant damage to my credit profile. This is a violation of their duty to ensure the maximum possible accuracy of the information they report. 

Impact of These Violations : Experian 's failure to comply with the FCRA has caused the following : Denial of credit and higher interest rates on approved credit. 
Emotional distress and significant frustration due to the ongoing credit inaccuracies. 
Damage to my credit score, which has resulted in lost financial opportunities.

Requested Resolution : I am requesting that the Consumer Financial Protection Bureau investigate Experians non-compliance with the FCRA and take appropriate enforcement action. Specifically, I am requesting : Immediate deletion of all inaccurate and unverifiable items on my credit report.

Full verification of each disputed item directly from the original creditors, as required by the FCRA.

Compensation for statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n for willful non-compliance. 
Compensation for actual damages suffered due to financial harm and emotional distress. 
Enclosures : Copies of my original dispute letter sent to Experian ( dated XX/XX/XXXX ). 
Copies of disputed Experian credit reports. 
Identity verification documents. 
Additional supporting documents as needed. 
I trust that the CFPB will act promptly to enforce my rights under the FCRA and hold Experian accountable for its failure to comply with the law. Please contact me if any further information is needed to proceed with this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX