Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
Harassment, Lack of Investigation & Sold-Off Debts Subject : Formal Complaint Against Experian and Debt Collectors for FCRA/FDCPA Violations, Inaccurate Reporting, and Harassment Your Information Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX Social Security Number XXXX XXXX XXXXXXXX Complaint Details Issue Type : Credit reporting, debt collection harrasment Company Complained About : Experian + XXXX XXXX XXXX + XXXX XXXX Description XXXXf the Problem A. Inaccurate Accounts and Sold-Off Debts : " The following negative accounts on my Experian report are inaccurate, outdated, or no longer owed. These debts have been sold to multiple third-party collectors who harass me daily : Account # 1 : Debt Buyer/Collector : XXXX XXXX XXXX Amount : [ {$130.00} ] Reason for Dispute : INNACURATE DEBT AND ALSO HARRASSMENT Dates of Disputes to Experian : I have had to deal with XXXX XXXX other time for over 3 years. ive reported countless times to experian. 

Account # XXXX : Debt Buyer/Collector : XXXX XXXX Reason for Dispute : Innacurate Charge and reporting Dates of Disputes to Experian : XX/XX/XXXX i believe ( Repeat for additional accounts ) This is constantly happening and always changing due to poort reporting and also creditors giving my information away. 

" Experian continues reporting these accounts despite my disputes, violating 15 USC 1681e ( b ) ( failure to maintain accuracy ) and 15 USC 1681i ( failure to reinvestigate ). The CFPBs 2023 lawsuit against Experian ( CFPB v. Experian ) confirms their systemic disregard for consumer rights. '' B. Harassment by Debt Buyers : " I am harassed daily by XXXX XXXX XXXX demanding payment for these invalid debts. Examples of harassment : " Calling late after XXXX after I requested they stop. '' " Threats of legal action they can not take ( e.g, losing my apartment ). '' " Calls [ 4 ] times per day/week. '' " Disclosed my debt to [ family/friends ] on multiple dates by sending letters to their addresses. '' This violates the FDCPA ( 15 USC 1692 ). '' C. Harm Caused : " These errors and harassment have devastated my credit score after i was starting to rebuild it after becoming a newly single father, causing : " Denial for a mortgage/auto loan. '' " Rejected apartment rental applications. '' " Emotional distress is an understatement. '' Legal Violations Experian : 15 USC 1681e ( b ) : Reporting unverified sold-off debts. 

15 USC 1681i : Ignoring disputes about invalid accounts.

15 USC 1681c ( c ) : Reporting outdated debts ( if applicable ).

Debt Collectors : 15 USC 1692 ( FDCPA ) : Harassment, false threats, illegal disclosure.

Requested Resolution Experian must permanently delete the disputed accounts and correct my credit report.

Debt collectors must cease all harassment and confirm deletion of the debts. 

Compensation for financial losses and emotional distress. 

CFPB investigation into Experians systemic violations, per their XXXX lawsuit.

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