Consumer complaint received 2024-07-10
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. (TN)

I would like to formally register a complaint against the Experian legal department in response to their delayed acknowledgment of my CFPB complaint. The issues raised in my complaint about the inaccurate reporting of " Discharged under XXXX  XXXX bankruptcy '' under negative accounts on my credit file have remained unaddressed for an extended period. Despite multiple notifications and complaints lodged with the CFPB, Experian 's response reflects a blatant disregard for pertinent laws and regulations. This behavior is particularly disconcerting, given Experian 's prominent position across various industries. There are multiple substantial issues that I will address below. 

My complaint was not arbitrarily sent to the Experian " Legal '' department, and your delayed response only served to evidence further the issues I have been persistently fighting to no avail. Firstly, as the legal department for Experian, when you stated, and I am paraphrasing, " We have known about these issues, you have made these complaints before, our nonaction and repeated denial to respond stands, '' you are indicating that as the legal department, you have been aware of Experian 's repeated conclusive responses to disputes, stating on each account, " Account was discharged in XXXX  XXXX bankruptcy, '' and such responses were done unlawfully. According to my understanding, if bankruptcy is discharged or listed as discharged on one 's credit report and concurrently listed as active, delinquent, owed, have any amount attached anywhere in the report, states anywhere on the same account as noted discharged in bankruptcy also states currently owed, late, delinquent, outstanding, charged off, show any balances or amounts due, is converted in any way as to the new type of debt, re-aged, dates or history changed, or new account number is given, then a commission of fraud, intent to cause financial harm and an intentional neglectful act is being asserted. This was precisely what occurred on my accounts. Further, it was blatantly false, turning into " willfully and intentionally conspiring to further a fraud, '' as I disputed these facts multiple times and even filed multiple CFPB complaints only to be ignored. 

Secondly, Experian unlawfully shows a XXXX loan as closed and written off. While it is lawful to show the history of the account closed and written off as well as the original amount owed, it is not lawful for Experian to continue growing the debt at a rate of 300 %, or any rate. As Experian 's legal department, by stating that you have been aware of this, you are indicating that the original debt owed, the amount that XXXX says I owe in total, is {$3800.00}. Experian has and continues to destroy my report, stating I owe {$11000.00} intentionally and wrongfully, and has ignored all disputes and CFPB complaints. The financial harm caused by Experian 's actions is severe, as they have unlawfully reported and still reports and has added {$7500.00} in just XXXX months to my debt owed and refuses to fix the error that is harming my auto credit score and overall score. 

Thirdly, Experian, and only Experian, has refused to remove a negative account for XXXX years, which was filed under fraud due to identity theft. Experian 's persistent refusal to remove the negative account for XXXX years is a clear indication of the need for resolution. Experian has tangible proof of the documented fraudulent charges and has records of all the affected accounts, as do the other CRAs, which they lawfully removed XXXX years ago, received complaints from the FTC and CFPB, and still refuse to remove it. I can keep going because Experian has blatantly engaged in XXXX major unlawful violations. 

Considering the significance and harm caused, I would like for the CFPB to investigate or refer an investigation to another oversight or judicial light of the gravity of Experian 's deliberate, willful, negligent, and unlawful actions and the extensive array of concerns, I respectfully request that the CFPB investigate these matters. It is imperative to examine the systemic implications of Experian 's conduct, which has far-reaching financial ramifications for specific socio-economic sectors and the nation as a whole.