Consumer complaint received 2025-01-22 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:
RE : Violations of Fair Credit Reporting Act Rights by Experian Report Number : XXXX To whom it may concern : I am writing to report multiple egregious violations of my rights under the Fair Credit Reporting Act ( FCRA ) by Experian. After reviewing my credit report dated XX/XX/year>, I have identified several serious issues that require immediate attention : XXXX. Double Reporting of Charge-Off Accounts XXXX XXXX XXXX XXXX  account is reported as " charged off '' but simultaneously shows " {$390.00} past due as of XX/XX/year> '' - XXXX XXXX  account is XXXX reported as charged off while maintaining an active past due status - This double reporting is a clear violation of FCRA guidelines as an account can not be both charged off ( deemed uncollectible ) and actively past due - These contradictory statuses are misleading to potential creditors and unfairly impact my credit score - I have disputed these accounts more than ten times without proper resolution or correction 2. Failure of Reasonable Investigation - Despite multiple disputes ( over 10 attempts ) regarding these charge-off accounts, Experian has failed to conduct reasonable investigations as required by FCRA - The continued presence of contradictory information after numerous disputes demonstrates a systematic failure in the dispute investigation process - The multiple failed attempts to correct this information suggest a willful violation of FCRA requirements 3. Failure to Properly Investigate Disputes - My report shows that certain items were " verified and updated '' without any explanation of what was verified or how it was investigated - The dispute results lack specific details about what information was checked during the reinvestigation process - The report fails to provide documentation of the methods used to verify disputed information 4. Incomplete Information Disclosure - The report contains multiple accounts with partial account numbers, making it difficult to properly identify and verify the accounts - The report lacks detailed payment history for several accounts, preventing me from fully understanding my credit status - Several dates of account status changes are missing or unclear XXXX. Accuracy Concerns - The report shows excessive XXXX XXXX soft inquiries that may be duplicative or unnecessary - There appear to be multiple instances of the same inquiry listed under different dates - The report contains variations of my name that could lead to mixed file issues 6. Privacy Concerns - The excessive number of soft inquiries raises concerns about who has access to my credit information - There is no clear explanation of how my information is being shared or used by various entities Requested Actions : XXXX. IMMEDIATE REMOVAL of both charged-off accounts due to : - Contradictory reporting status - Multiple failed dispute attempts - Failure to conduct reasonable investigations XXXX. Investigation into Experian 's dispute investigation procedures 3. Monetary damages for multiple willful violations of the FCRA 4. Review and correction of all other inaccurate information 5. Audit of Experian 's procedures for handling disputes 6. Implementation of proper controls to prevent double reporting of account statuses Given the serious nature of these violations and the multiple unsuccessful attempts to resolve these issues through the standard dispute process, I request immediate intervention by the CFPB. These violations have caused significant damage to my creditworthiness and have persisted despite numerous attempts at resolution. 

I understand my rights under the FCRA and expect a thorough investigation of these issues. Please contact me if you need any additional information to process this complaint. 

Sincerely, XXXX XXXX XXXX Documentation attached : - Experian Credit Report # XXXX dated XX/XX/year> - Documentation of multiple disputes filed - Screenshots of contradictory account statuses- Documentation of name variations in the report

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