Consumer complaint received 2025-03-04 00:00:00
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.
State: TX

Complaint narrative:
Dear Experian Representatives, I am formally submitting this dispute regarding the account reported under XXXX XXXX XXXX XXXX  on my credit report. This account has been reported, deleted, and reinserted multiple times, which is a clear violation of federal law. 

Frankly, this account contains so many errors and has been reinserted so often that I begin to question whether Experian respects my consumer rights and complies with consumer protection laws. 

Serious Errors in the Account and Violations of the Law : Repossession with No Late Payments According to Experians own records and the agency that issued the account, there were never any late payments. However, the account is reported as a repossession, which is contradictory and a serious inaccuracy. 
Violation of 15 U.S.C. 1681e ( b ) : Experian is required to follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. 
Lack of Legally Required Documentation for the Repossession Neither Experian nor the creditor has provided any documentation to justify the repossession of the vehicle, even though this is a legally mandatory process. 
Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A credit reporting agency must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

Fraudulent Address and Phone Number on the Report The account was initially reported with an address where I have never lived and a completely unrelated phone number. 
Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : An information provider can not report false or incorrect data on a credit report.

Failure to Verify the Account by the Creditor I personally requested a full report on the accounts details from the creditor, yet they never provided verifiable information. 
If the creditor failed to verify the account, how does Experian obtain and report this information? 
Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted from the credit report.

Account Opened When I Was Not Residing in the XXXX

The account was opened while I was not residing in the XXXX XXXX, which clearly indicates it is fraudulent. 
Violation of 15 U.S.C. 1681c-2 ( a ) : Consumers have the right to request the permanent deletion and blocking of fraudulent information. 
Demands and Requested Actions : Immediate and permanent deletion of this account from my credit report.

Definitive blocking of this account to prevent any future reinsertion. 
A detailed, written response sent by mail outlining all actions taken regarding this matter. 
If this issue is not resolved properly, I will proceed with legal action against Experian for the damages caused to my ability to receive fair financial treatment due to the repeatedly reported fraudulent information. 
Since Experian has never conducted a proper investigation, I demand that this matter be handled with the seriousness it deserves. I expect a written response via postal mail detailing all actions taken as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation