Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint against Experian regarding its poor credit reporting practices and failure to conduct a proper investigation into a collection account from XXXX XXXX XXXX. Despite submitting multiple disputes regarding this account, Experian continues to claim that their investigation shows the account is accurate. As of XXXX XXXX. However, this is simply not true, as both XXXX and XXXX have already removed the account from my credit report based on the same information provided. 

The account in question should not even be listed as a collection account. The original merchant prematurely charged off the account, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Additionally, the account is past the three-year statute of limitations for open accounts in the state of Louisiana, where I reside. XXXX XXXX XXXX is not legally able to collect on this debt, and I have provided Experian with factual, tangible proof of this in every dispute filed. 

Moreover, Experian has consistently sent me correspondence with my name spelled incorrectly. My correct name is XXXX XXXX XXXX, but Experian continues to address me as XXXX or XXXX, despite my having provided them with my Social Security card, drivers license, and recent utility bills multiple times over the years to correct this issue. This failure to accurately reflect my identity raises serious concerns about the validity of their so-called investigation into my credit disputes and the level of care taken to ensure compliance with the FCRA. 

Experians refusal to remove this account from my credit report despite being provided with irrefutable evidence, and their consistent failure to correctly spell my name, directly violates the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. In this case, Experian has failed to correct inaccurate information, even after receiving proper documentation. 

15 U.S. Code 1681i ( a ) : When a consumer disputes information, the credit reporting agency must conduct a reasonable investigation. Experian 's investigation is inadequate and unreasonable, as evidenced by their inability to even spell my name correctly. 

15 U.S. Code 1681c : This statute outlines that credit reporting agencies must not include accounts past the statute of limitations. In Louisiana, the statute of limitations for open accounts is XXXX years, and this account exceeds that limit. The continued reporting of this account is a violation of this provision. 

15 U.S. Code 1681s-2 ( b ) : Data furnishers, such as XXXX XXXX XXXX , are required to correct inaccurate information after a dispute. I have contacted both XXXX XXXX XXXX and the original creditor, who confirmed that the account was prematurely charged off and should not be in collections, but Experian persists in inaccurately reporting this information. 

I am providing documented proof of the original merchants illegal charge-off and XXXX XXXX inability to collect on the account. Both XXXX and XXXX have already recognized these facts and removed the account, while Experian continues to refuse to do so, despite clear violations of the FCRA.