Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
Despite my previous disputes, this account remains on my credit file without varication or validation. I demand a full deletion of this eviction entry and full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained with out lawful justification.

If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil actions for willful noncompliance and credit defamation under 15U.S.C. $ 1681n.

1- fair Credit reporting Act ( FCRA ) -15U.S.C $ 1681i and 1681s-2 ( b ) : The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. - Fair Debt Collection Practice Act ( FDCPA ) - 15 U.S.C $ 1692e : The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided. and the info that i was provided was a different last 4 social security number than mines.

3. - Gramm-Leach-Bliley Act ( GLBA ) - Privacy violation : The agency is reporting alleged eviction information that may have been obtained improperly or with out permissible purpose under {$6800.00} I am filling this complaint against Experian and XXXX  for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer reported inaccurately and without proper documentation or legal authority.

Violations committed : 1. Fair Credit Reporting Act ( FCRA ) - 15U.S.A. $ 1684i & 1681s-2 ( b ) : the furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2. Fair debt Collection Practices Act ( FDCPA ) - 15U.S.A $ 1692e : The reporting of this eviction is deceptive, as no final judgment or public record proving I legally owe this debt has been provided.

3. Gramm-Leach-Bliley Act ( GLBA ) -Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under {$6800.00}.

4. No proof of ownership or assignment of debt : The furnisher has not presented a lease, judgment, or chain of assignment to prove standing.

despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnisher 's reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification.

If this is not resolved immediately, I will escalate this matter with FTC, state attorney general, and pursue civil action for willful noncompliance and credit defamation under 15u.s.c. $ 1681n.

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