Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Willful Violations of Fair Credit Reporting Act - Failure to Properly Investigate Willful Violations of United States Copyright Act, and Privacy Act of 1974 Disputes Description : I am filing this complaint against Experian for multiple willful violations of the Fair Credit Reporting Act ( FCRA ) in their handling of my credit report disputes. 

TIMELINE OF VIOLATIONS:XXXX : I sent my first formal dispute letter regarding 14 inaccurate items on my credit report, including a number of inaccurate charge off and late payments. 

XX/XX/XXXX : Experian responded with inadequate investigation, failing to remove clearly inaccurate information. 

XX/XX/XXXX : I sent a second dispute letter documenting their violations and demanding compliance. 

Experian again failed to properly investigate or remove inaccurate information. 
XX/XX/XXXX I sent a notice of Revocation of Election for removal of personally identifiable information from their organization. 

XX/XX/XXXX : I sent a third dispute letter documenting their violations and demanding compliance. 

XX/XX/XXXX : I sent a copyright infringement notice, in violation of 17 USC 501 United States Copyright act SPECIFIC VIOLATIONS : 1. Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ) : Experian appears to rely solely on automated e-OSCAR verification rather than conducting the thorough investigation required by law and established in XXXX v. Trans Union Corp. 

2. Failure to Forward Consumer Documentation ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Despite providing supporting documentation with my disputes, Experian failed to forward this information to the furnishers.

3. Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : Experian continues to report information they can not properly verify from original sources. 

4. Data Security Concerns : Given recent data breaches at Experian, the integrity of consumer files is compromised, yet they refuse to re-verify information from original sources.

5. Privacy Act Violations of 1974 ( 5 USC 552 ( a ) 6. Infringement of Copyright 17 USC 501 HARM CAUSED : These violations have caused me significant harm including : - Denial of credit applications- Higher interest rates on approved credit - Inability to qualify for employment opportunities - Emotional distress and damage to reputation - Financial losses due to poor credit scoring SUPPORTING DOCUMENTATION : I have attached copies of : - My original dispute letters- Experian 's inadequate responses - Credit reports showing continued inaccurate reporting - Documentation supporting my disputes This complaint represents a pattern of willful violations that harm consumers and undermine the integrity of the credit reporting system.

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