Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up regarding my complaint filed on XX/XX/XXXX ( Complaint ID XXXX ) against XXXX  XXXX XXXX, Experian , and XXXX XXXX While the complaint was referred to another agency, the Office of the Comptroller of the Currency ( OCC ), I strongly contest the dismissal and request a thorough review. This matter involves significant violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and provisions protecting victims of identity theft. These violations have caused serious financial, emotional, and reputational harm, and I seek monetary compensation in addition to corrective action. 

Key Issues 1. Inaccurate and Inconsistent Reporting Across Credit Bureaus XXXX XXXX XXXX is reporting conflicting and incomplete payment histories to Experian and XXXX : XXXX Reporting : XXXX : No data from XXXX ; " 60 days late '' in XXXX. 
XXXX : " 90 days late '' in XXXX ; " Charge-off '' in XXXX and XXXX ; " No Data '' for remaining months. 
XXXX : Sporadic " No Data '' entries for most months. 
Experian Reporting : XXXX : " On time '' payments from XXXX ; " XX/XX/XXXX days late '' from XXXX ; " Charge-off '' in XXXX. 
XXXX : " Charge-off '' for XXXX and XXXX ; " No Data '' for remaining months. 
XXXX : " Charge-off '' for XXXX ; " No Data '' for most months. 
These discrepancies create a misleading and inaccurate record, violating FCRA 1681e ( b ), which requires the use of reasonable procedures to ensure the accuracy of consumer information. 

2. Failure to Mark Dispute Status Experian : Falsely marked the dispute as " Completed investigation of FCRA disputeconsumer disagrees, '' despite the active status of my complaint. 
XXXX : Marked the dispute as " Reinvestigation in Progress '' but failed to update the dispute notation in the payment history. 
This failure to accurately reflect the dispute violates FCRA 611 ( c ), which requires credit reporting agencies ( CRAs ) to include a " disputed '' notation on all disputed accounts until the investigation is resolved. Misleading creditors in this manner causes further damage to my creditworthiness. 

3. Failure to Validate the Alleged Debt XXXX XXXX XXXX has not provided adequate documentation to substantiate its claims, including : Original account agreements. 
Payment records supporting reported delinquencies and charge-offs. 
Under FCRA 611 ( a ) and 623 ( b ), furnishers must provide verifiable evidence during disputes. XX/XX/XXXX failure to validate this account obligates CRAs to delete or correct the information, as established by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

4. Improper Handling of Identity Theft Claims This account is the result of identity theft, and I previously submitted appropriate documentation under FCRA 605B to request the fraudulent account be blocked. Despite this, Experian and XXXX continue to report the account without verification or resolution, violating my rights as a victim of identity theft. 

5. Omission of Full Contact Information Experian fails to include a complete address for XXXX XXXX XXXX, listing only partial information. Under FCRA 609 ( a ) ( 1 ), CRAs must include complete identifying information about the furnisher. This omission hinders my ability to directly address the issue with XXXX XXXX XXXX. 

Harm Caused by These Actions Financial Harm : Damage to my creditworthiness, resulting in : Denied credit applications. 
Increased borrowing costs. 
Loss of financial opportunities. 
Emotional Distress : Ongoing stress and frustration due to XXXX XXXX XXXX failure to validate the account and the CRAs mishandling of disputes. 
Reputational Damage : Misleading credit reports have tarnished my reputation, hindering my ability to secure financial products and opportunities. 

Applicable Legal Violations XXXX XXXX XXXX. 
FCRA Violations

: 1681e ( b ) : Furnishing inaccurate and conflicting information. 623 ( b ) : Failing to investiga
te and validate disputed information.

FDCPA Violations : 1692g ( b ) : Failing to validate the debt after dispute.

1692e : Reporting false and misleading information. 
Experian and XXXX FCRA Violations : 1681e ( b ) : Failing to ensure reporting accuracy.

611 ( c ) : Failing to mark accounts as disputed.

609 ( a ) ( 1 ) : Failing to include full contact information for the furnisher.

605B : Failing to block fraudulent accounts related to identity theft.

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