Consumer complaint received 2024-11-26 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: FL

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint against Experian for egregious violations of the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), and other federal consumer protection laws. Experians failure to resolve my disputes, remove unverifiable accounts, and ensure maximum accuracy in my credit report has caused significant harm to my financial standing and emotional well-being. 

Despite my certified dispute sent on XX/XX/year>, Experian continues to report inaccurate, unverifiable, and conflicting information, thereby demonstrating blatant disregard for federal compliance requirements. 

Details of the Violations 1. Inaccurate and Unverifiable Accounts Experian is reporting the following accounts with discrepancies and unverifiable information : U.S. Dept of EdXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts show conflicting balances, payment histories, and reporting dates across the three major credit bureaus, clearly violating 15 U.S.C. 1681e ( b ), which mandates maximum accuracy in credit reporting.

2. Failure to Conduct a Proper Reinvestigation Despite my dispute under 15 U.S.C. 1681i ( a ), Experian failed to : Provide documentation to substantiate the accuracy of these accounts.

Conduct a reasonable reinvestigation or correct errors. Provide a Method of Validation ( MOV ) as required under 15 U.S.C.
1681i ( a ) ( 7 ), including detailed verification processes and supporting evidence.

This blatant disregard for federal requirements demonstrates negligence and bad faith in handling consumer disputes.

3. Reporting Outdated and Irrelevant Information Experian continues to list outdated and irrelevant personal information, including employers and addresses I have never been associated with. This violates 15 U.S.C. 1681c, which prohibits the reporting of obsolete or irrelevant inform
ation.

4. Failure to Ensure Compliance with UCC for Repossession-Related Accounts For accounts involving repossession XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian failed to verify compliance with UCC Article 9, specifically : UCC 9-611 : Failure to provide a Notice of Default and Right to Cure.

UCC 9-614 : No evidence of a legally compliant Notice of Sale.

UCC 9-610 : Lack of proof that the repossessed property was sold in a commercially reasonable manner.

UCC 9-615 : No detailed accounting of sale proceeds applied to the debt. 
The continued reporting of repossession accounts without proper documentation violates both the FCRA and UCC, compounding the inaccuracies in my credit report.

Impact on Me Experians actions have : Severely damaged my credit score, limiting my ability to secure necessary credit and financial opportunities.

Caused undue emotional distress, hardship, and wasted time.

Created discrepancies across the credit bureaus, undermining the integrity of my credit file and trust in the reporting system.

Resolution Requested I demand that the CFPB take immediate action to : Investigate Experians violations of the FCRA, UCC, and federal consumer protection laws. 
Require Experian to : Remove all unverifiable accounts and outdated personal information from my credit report within 14 days. 
Provide a detailed Method of Validation ( MOV ) for all disputed accounts, including verification processes and supporting documentation.

Impose penalties on Experian for willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o.

Mandate Experian to improve its reinvestigation and dispute-handling procedures to ensure future compliance with the FCRA.

Supporting Documentation I am providing the following documents to support my complaint : A copy of my original dispute letter sent to Experian on XX/XX/year>. 
Experians response ( if any ), demonstrating inadequate handling of my dispute. 
Copies of my credit reports from Experian, XXXX, and XXXX, highlighting the discrepancies and inaccuracies. 
Conclusion Experians repeated violations of federal laws demand immediate corrective action. I trust the CFPB will hold Experian accountable and ensure compliance to protect my consumer rights. Failure to address these violations further erodes consumer trust in credit reporting agencies and the regulatory system. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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