Consumer complaint received 2024-09-12
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. (SC)

I am submitting this formal complaint against XXXX regarding the continued reporting of inaccurate information on my consumer report, particularly related to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts. Despite my repeated disputes and the requirements under both federal and South Carolina state law, XXXX has failed to provide proper investigation or verification, nor has it deleted the inaccurate information. 

Details of the Complaint : XXXX. XXXX XXXX and XXXX : XXXX has continued to report an account with XXXX XXXX and XXXX. I do not have any contract or legal obligation with this debt collector, and XXXX has failed to provide any proof of how this account was verified. No evidence or explanation has been offered regarding this verification process. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX : These accounts were sent to collections and no longer reflect a valid debt with the original creditor. However, despite having these accounts removed from Experian and XXXX, XXXX continues to report them as verified. 
I have been disputing these inaccuracies for over 24 months, yet no meaningful resolution or supporting documentation has been provided to substantiate the debts. XXXX must have conducted a separate or flawed investigation, leading to the incorrect reporting of these accounts. 
Please Remove all unauthorized inquiries that are on my report as well. All of them not one has been authorized. 

Legal Violations : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), XXXX is required to conduct a reasonable investigation of disputed accounts and provide verifiable proof. The continued reporting of inaccurate information, without proper investigation or validation, is a violation of this law. 
Furthermore, South Carolina Code Section 37-20-170 ( Consumer Protection Code ) reinforces the requirement for accurate credit reporting and reasonable investigation of disputed debts. The failure to verify or remove inaccurate information violates both federal and state statutes. 

Willful Violation of FCRA : XXXX refusal to correct these errors after multiple disputes constitutes a willful violation of the FCRA under 15 U.S.C. 1681n, which entitles me to compensation for actual damages, attorneys fees, and possibly punitive damages. This willful violation has caused undue stress, financial harm, and significant delays in resolving these inaccuracies. 

Requested Action : Immediate deletion of all disputed accounts, including those with XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX, from my XXXX credit report. 
Full disclosure of how XXXX conducted the verification of these accounts, including proof of investigation with the debt XXXX or original creditors. 
Compensation for damages as allowed under federal law due to willful violation of the FCRA. 

I request that this matter be resolved promptly and that XXXX complies with its legal obligations. Also Experian and XXXX should also update the consumer report to reflect the deletion of all accounts that are applicable to whats Being reported and what should be removed. Failure to address these issues will leave me no choice but to pursue further legal action.