Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint against Experian for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite multiple notifications and reminders over the past XXXX months, Experian has persistently failed to rectify the inaccuracies in my credit report, demonstrating a blatant disregard for the legal requirements and my rights as a consumer. 

1. Repeated Furnishing of Inaccurate Information : Violation : 15 U.S.C. 1681e ( b ) Details : Experian has continuously furnished multiple inaccurate names associated with my credit file, identified by the name identification numbers 5196, 4384, 4207, and 24777. These inaccuracies persist despite numerous requests for correction since [ specific date ], indicating Experians failure to follow reasonable procedures to assure maximum possible accuracy of my credit report.

2. Failure to Correct and Update Information : Violation : 15 U.S.C. 1681s-2 ( a ) ( 2 ) Details : Over the past XXXX months, I have repeatedly notified Experian of the discrepancies in the name variations and transaction histories. Despite being aware of these errors, Experian has failed to correct and update this information, flagrantly violating its duty under the FCRA. 
3. Persistent Reporting of Inaccurate Information : Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) Details : Experian has continuously reported multiple inaccurate names and erroneous transaction histories, despite knowing or having reasonable cause to believe that the information is inaccurate. This persistent misinformation is a clear violation of the FCRA.

4. Failure to Reinvestigate Disputed Information : Violation : 15 U.S.C. 1681i ( a ) Details : Despite my repeated disputes regarding the inaccurate names and transaction histories, Experian has failed to conduct a proper reinvestigation to determine the accuracy of the disputed information. This repeated failure to act is a gross neglect of their obligation under the FCRA.

5. Failure to Notify Furnishers of Dispute : Violation : 15 U.S.C. 1681i ( a ) ( 2 ) Details : Experian has consistently failed to notify the furnishers ( such as financial institutions including XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) about my disputes regarding the inaccuracies in my credit report. This repeated negligence further exacerbates the inaccuracies and demonstrates a systemic issue within Experians reporting practices. 

Summary of XXXX : The persistent inaccuracies in my credit report have caused significant distress and financial harm. These repeated errors have led to wrongful credit decisions, higher interest rates, and potential denial of credit opportunities. Experians continued noncompliance with the FCRA, despite multiple reminders, has caused undue stress and financial instability. 

Resolution Requested : 1. Immediate correction of the inaccurate names and identification numbers on my credit report.

2. Review and correction of any inaccuracies in the transaction history furnished in my credit report.

3. A formal investigation into Experians practices to ensure compliance with the FCRA.

4. Compensation for any damages incurred due to these inaccuracies, as determined by the CFPB.

5. Sanctions or penalties against Experian for their repeated noncompliance and negligence.

Supporting Documentation : Attached to this complaint is a copy of my Experian credit report, highlighting the inaccurate names and identification numbers, as well as the erroneous transaction history. 

Declaration : I declare under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge.