Consumer complaint received 2024-04-30 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: GA

Complaint narrative:
I am writing to file a formal complaint against the credit agenciesXXXX Experian, and XXXX their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), as well as against XXXX XXXX XXXX for their fraudulent and unlawful debt reporting practices. Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/year>, I sent a demand for validation to XXXX XXXX XXXX regarding a reported debt they claimed I owe. Despite this, on XX/XX/year>, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 

Furthermore, XXXX XXXX XXXX has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of Georgia, where I reside, as the statute of limitations on debts is six years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. I reported these issues to the credit agency by phone yet they did not send back any updates correcting the issues. 

As a direct result of the fraudulent reporting by XXXX XXXX XXXX and the negligent oversight by XXXX, Experian, and XXXX, I have been unjustly denied access to credit opportunities for the past three years. This includes the inability to secure financing for purchasing a XXXX XXXX XXXX XXXX, causing significant XXXX XXXX and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of XXXX XXXX XXXX and the credit agencies. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections and the credit reporting agencies. 

Additionally, I request that XXXX, Experian, and XXXX immediately update and remove all reporting efforts for XXXX XXXX XXXX and XXXX from my credit reports to rectify the inaccuracies and prevent further harm to my financial standing. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to rectify the violations committed by XXXX XXXX XXXX and hold XXXX, Experian, and XXXX accountable for their failure to ensure the accuracy and fairness of consumer credit reports. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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 non-monetary relief