Consumer complaint received 2024-10-26
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. (NY)

I am filing this complaint to address the severe mishandling and continued inaccurate reporting of information on my credit reports. Despite numerous requests to the credit bureaus to rectify these errors, I am facing non-compliance with federal regulations, notably the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance standards. This prolonged negligence is not only unlawful but has caused unwarranted harm to my financial standing, personal credibility, and peace of mind. 

Inaccurate Information and Unauthorized Inquiries My report contains the following unverified, erroneous items that are causing undue harm and violate my rights under federal law : XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. Numerous Unauthorized Inquiries : XXXX ( XX/XX/year> ), XXXX XXXX XXXX ( XX/XX/year> ), XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). 

Each of these items has been disputed, yet remains unresolved despite a lack of validation as required by law. This unacceptable conduct by the reporting agencies demands immediate correction.

Applicable Legal Provisions and Violations 1. FCRA Violations : Section 611 ( a ) ( 1 ) ( A ) mandates timely reinvestigation and removal of any unverifiable information. Reporting agencies have blatantly disregarded this requirement by leaving unsubstantiated entries on my report.

Section 1681i ( a ) ( 5 ) dictates that inaccurate or unverifiable data must be deleted following a reasonable investigation, which has not been adhered to in this case.

2. FDCPA Violations : 15 USC 1692g requires debt collectors to validate all debt upon request. XXXX XXXX XXXX, XXXX, and XXXX XXXX have each failed to provide sufficient documentation verifying the debts in question. 
XXXX. XXXX XXXX Compliance : The reporting agencies must comply with XXXX XXXX standards for accurate, complete, and verified reporting. The inaccuracies presented violate the data integrity XXXX XXXX requires for collection and reporting. 
4. Method of Verification ( MOV ) Non-Compliance : These agencies continue to employ automated, non-compliant verification methods ( such as XXXX  ), disregarding my right under FCRA Section 611 to a thorough method of verification. I do not consent to automated verification processes and demand a full disclosure of the human-led verification process, as stipulated by law.

Demand for Immediate Action and Full Compliance I demand : 1. The immediate removal of all inaccurate information from my credit report. 
2. A complete, transparent outline of the investigation methods used for each disputed item.

3. A corrected and updated credit report within the next 30 days.

Failure to comply within the requested timeline will result in further legal action. 

Further Recourse for Non-Compliance If these items are not promptly removed and a thorough explanation is not provided, I will pursue claims for : Defamation of Character Negligent Enablement of Identity Fraud Financial Injury Violations of FCRA : seeking compensation of {$5000.00} per violation. 

Your immediate attention to this matter is required to prevent continued and escalating legal consequences. I expect the Consumer Financial Protection Bureau to enforce my rights and ensure that the responsible parties comply fully with the law.