Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
Failure to Conduct a Proper Investigation Regarding My Account with XXXX XXXX XXXX I am writing to formally address the continued failure of Experian Information Solutions , Inc. ( Experian ) is properly investigating my disputed account with XXXX XXXX XXXX. Furthermore, I wish to highlight the complicit actions of XXXX XXXX XXXX in presenting inaccurate financial information and Experians failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), 5564, and 5565.Chronology of Events & Legal ViolationsDispute InitiationOn XX/XX/XXXX, I submitted a formal dispute with Experian regarding inaccuracies related to my account with XXXX XXXX XXXX XXXX U.S. certified mail return receipt ( Tracking Number : XXXX ) .The item was delivered and picked up at a postal facility in XXXX XXXX, CA XXXX at XXXX AM on XX/XX/XXXX, XXXX was required under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation and forward all relevant documentation to XXXX XXXX XXXX.Failure to Comply with FCRA and Texas Consumer Protection LawsExperian has violated multiple FCRA provisions, including : Duty to Ensure Accuracy ( 15 U.S.C. 1681e ) : Experian has failed to maintain reasonable procedures to assure maximum accuracy of reported information.Failure to Investigate Disputes ( 15 U.S.C. 1681i ) : Experian did not conduct a reasonable reinvestigation, as required, and failed to correct or delete inaccurate, incomplete, or unverifiable information.Improper Collection Account Reporting ( FCRA 1681a ( d ) ) : Experians continued inclusion of the disputed XXXX XXXX XXXX account in my credit report violates accuracy and fairness requirements.Violations of Address and Employment Accuracy Requirements ( FCRA 1681c ) : Outdated and inaccurate address and employment details remain uncorrected in my credit file.Liability for Noncompliance ( 15 U.S.C. 1681n and 1681o ) : Experians willful or negligent failure to comply with these provisions subjects them to penalties, including statutory damages, punitive damages, and attorney fees.Experians actions also violateTexas Consumer Protection Laws, including : Texas Deceptive Trade Practices Act ( DTPA ) : False reporting and failure to reinvestigate disputes constitute deceptive and unconscionable practices.Texas Business & Commerce Code, Chapter 521 : Experians sharing of outdated and unverifiable personal information with third parties violates state privacy protections.Texas Finance Code 392.202 : Neglecting to verify collection accounts violates Texas ' accuracy and fairness standards for debt collection.Texas Business & Commerce Code 20.06-20.11 : Experian has failed to block fraudulent accounts, notify consumers of deletions, conduct timely reinvestigations, and prevent the reporting of obsolete information.Uncritical Acceptance of XXXX XXXX XXXX XXXX ResponseExperians reinvestigation consisted solely of forwarding my dispute to XXXX XXXX XXXX and accepting their response without further verification, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) XXXX XXXX XXXX has engaged in deceptive lending practices by failing to accurately assess financial conditions, as demonstrated inCase Number : XXXX class-action lawsuits.Failure to Notify and Provide Reinvestigation ResultsExperians ambiguous dispute resolution response violates 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), which mandates providing consumers with clear reinvestigation results.This lack of transparency also constitutesunfair and deceptive practices under 12 U.S.C. 5531 ( c ) ( 1 ) .Failure to Remove Inaccurate Information Despite EvidenceMy Experian credit report dated XX/XX/XXXX, still reflects the disputed XXXX XXXX XXXX account with incorrect details.This failure to delete or correct inaccurate data violates XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) .If Experian removed and later reinstated this disputed item without proper notification, it violated 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) .Pattern of Consumer Rights ViolationsXXXX XXXX XXXX has a documented history of consumer rights violations, including a {$430000.00} verdict against them for credit damage resulting from fraudulent reporting.Experian has been named in numerous lawsuits and regulatory investigations for similar violations, including cases in XXXX XXXX District Court and CFPB complaints.Request for Immediate ActionGiven these repeated violations, I demand : Immediate ReinvestigationConduct a thorough reinvestigation, ensuring all supporting documentation is reviewed and forwarded to XXXX XXXX XXXXProvide evidence that a proper investigation was conducted.Correction or Deletion of Inaccurate InformationPromptly remove any inaccurate or unverifiable data from my credit report in compliance with 15 U.S.C . 1681i ( a ) ( 5 ) .Legal Compliance AssuranceProvide written assurance that Experian will adhere to FCRA and CFPA requirements.Ensure transparency in future dispute resolutions.Redress for DamagesGiven the financial harm caused, I seek monetary redress for Experians negligence in impacting my creditworthiness and financial stability.Failure to comply within 30 days will result in legal action through theConsumer Financial Protection Bureau , the Texas Attorney Generals Office , and other regulatory agencies.Sincerely, 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