Consumer complaint received 2024-10-29
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. (AL)

I am filing this complaint against Experian Information Solutions , Inc. for serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ). These violations have led to substantial financial harm, reputational damage, and emotional distress due to Experian 's inaccurate reporting and inadequate response to my disputes. This complaint also highlights the systemic issues with XXXX, which have exacerbated my situation. 

Detailed Issues and Violations Inaccurate Reporting and FCRA Violations : As a consumer reporting agency, Experian is obligated under the FCRA to ensure the accuracy and privacy of the information it reports. Despite submitting numerous disputes regarding false information linked to my credit file, Experian has failed to correct these inaccuracies. 
FCRA Violation : Under 15 U.S.C. 1681e ( b ), Experian must ensure the maximum possible accuracy of reported information. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court found that the credit reporting agency was liable for reporting inaccurate information. 
Failure to Conduct Reasonable Reinvestigations : Experian is required to conduct reasonable reinvestigations of disputes under 15 U.S.C. 1681i. Despite my efforts, including FTC Identity Theft Reports, Experian has inadequately investigated my claims, allowing incorrect data to remain. 
Case Law : The ruling in XXXX XXXX XXXX XXXX ( XXXX ) emphasizes that inadequate reinvestigation can lead to consumer harm. 
Identity Theft Reporting Ignored : Experian has allegedly ignored my FTC Identity Theft Reports, which is a violation of FCRA requirements. Agencies must investigate disputes thoroughly, and ignoring such reports constitutes negligence. 
Actions : I have provided copies of past complaints and communications regarding these disputes. 
Lack of Complete Disclosure : I have requested my complete credit report multiple times, but Experian has not provided all relevant information, violating my right to access my consumer information under 15 U.S.C. 1681g. 
Case Law : The necessity for complete disclosures was affirmed in XXXX, XXXX XXXX XXXX ( XXXX ). 
Obstruction in Accessing Online Services : XXXX inaccurate reporting has obstructed my ability to access essential online services, significantly impacting my daily life and financial independence. 
Alleged Malicious Behavior : If Experians actions appear deliberate, I may need legal representation to explore if there are grounds for a civil suit. I have documented instances of disconnections and communication issues, which indicate a pattern of obstruction. 
Actions : I am compiling evidence to substantiate my claims of malicious behavior. 
Collection and Distribution of Court Records Without Consent : XXXX practices of using court records for credit reporting without complete identifiers can lead to misrepresentation and data privacy violations. This may constitute unauthorized use of personal data. 
Enforcement and Regulatory Oversight : The CFPB oversees consumer reporting agencies, including Experian, and has the authority to investigate and penalize them for violations of the FCRA. Additionally, my state attorney general can pursue actions against reporting agencies for violations of state consumer protection laws. 
Actions : I will request updates on enforcement actions taken against Experian for similar violations and file additional complaints if necessary. 
Seeking Monetary Relief : I have suffered financial harm and emotional distress due to Experian 's actions, and under the FCRA, I may be entitled to compensation for willful non-compliance. I am consulting with legal counsel specializing in FCRA and consumer rights to assess my case for potential damages. 
Actions : I will document all losses related to Experians reporting, including impacts on my ability to obtain credit and any resulting financial hardship. 
Conclusion The ongoing failures of Experian to comply with federal laws designed to protect consumers have resulted in significant harm to my life and well-being. I urge the CFPB to take immediate action to rectify these violations and hold Experian accountable for their harmful practices.