Consumer complaint received 2025-03-20 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Against Experian for Inadequate Credit XXXX and XXXX Investigations Dear CFPB, I am writing to formally file a dispute against Experian due XXXX their failure to conduct legitimate investigations regarding inaccuracies on my consumer report and their recent legal issues that further raise concerns about their credibility and business practices. 
On XX/XX/XXXX, I submitted a dispute to Experian regarding the inaccurate information of the incorrect account, fraudulent activity, inaccurate personal information. Despite providing supporting documentation, Experian failed to conduct a thorough investigation and instead returned a generic response stating that the information was verified without any substantive review. Please see list of inaccuracies. 
Acct # XXXX XXXX XXXX $ XXXX Delete this account from my consumer report for multiples violations as transactions/experiences are excluded from my consumer report/Original creditor is reporting a charge off and collection misleading while committing tax fraud by taking a tax break. 

Acct # XXXX $ XXXX The Date Last Active reported is inconsistent with payment history while the Date of Last Payment ( XX/XX/XXXX ). 
Misleading Reporting : The account is reported as a XXXX with a derogatory status Delete this account for inaccuracy. 

Acct # XXXX Affirm- $ XXXX The Date Last Active ( XX/XX/XXXX ) is inconsistent with the Date of Last Payment ( XX/XX/XXXX ) Double reporting/misleading under FDCPA XXXX because the account is reported as both a charge-off and in collections. Delete for inaccuracy. 

XXXX XXXX ( Original Creditor : XXXX Townhomes at XXXX XXXX ) XXXX Violation of XXXX XXXX XXXX as the company does not have a XXXX bond on file with the State of Texas XXXX XXXX is higher than high credit suggesting Illegal added fees, penalties, or interest beyond what was legally agreed upon. The debt is reporting as both charged off by the original creditor and actively in collection. Delete account for violations and inaccuracies. 

XXXX ( Original Creditor : Renown Health ) Acct # XXXX $ XXXX XXXX Collection agency is double reporting the account as a collection and a charge off. 
Violation of XXXX XXXX XXXX : Illegally participating in debt collection in the state of Texas with a XXXX bond on file with Secretary of State of Texas. 
Re-aging : Issue : The Date Opened is listed as XX/XX/XXXX, but the Date Last Active is XX/XX/XXXX ( less than 6 months apart ) Issue : The comments state : " Placed for collection - Medical '' Under FCRA XXXX ( a ) ( XXXX ), medical debts can not be reported unless they have been properly validated Collection agencies are not allowed to report a charge off. Delete this account for multiple violations and inaccuracies. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX. ) Acct # XXXX Misleading : XXXX agency is double reporting the account as a collection and a charge off. No contract with this company as I have never done business with them. Delete for inaccuracy and violation of my privacy. 

XXXX XXXX XXXX $ XXXX Misleading : is the account in active collections or charged off by the original creditor? Transactions/experiences are excluded from a consumer report so why is this reporting on mine? Delete for violations and inaccuracies. 


THD/CBNA- Acct XXXX XXXX $ XXXX Misleading as account is reporting both collection and charge off. Did the original creditor sell the account to collection agency? No XXXX received. Original creditor is committing tax fraud because they took a tax break on balance. Delete this account for violation. The original creditor is reporting income on my consumer report. 
Given the recent lawsuit against Experian, which highlights their pattern of conducting sham investigations and failing to uphold the Fair Credit Reporting Act ( FCRA ), I am deeply concerned that my dispute was not handled properly. It appears that Experian is engaging in a systemic failure to comply with federal regulations, thereby harming consumers like myself. 
I formally request that the CFPB take immediate action by investigating Experians handling of my dispute, ensuring compliance with the FCRA, and holding them accountable for their failure to conduct proper investigations. I also request that Experian be compelled to : XXXX. Provide a detailed explanation of how my dispute was investigated. 
XXXX. Reassess my dispute with a legitimate investigation, including direct verification with the original creditors. 
XXXX. Remove or correct the inaccurate information on my credit report if they can not substantiate their claims with legitimate documentation. 
Enclosed are copies of my original dispute letter and any supporting documentation that demonstrates the inaccuracies in my credit report. 
I trust that the CFPB will take appropriate steps to ensure Experian is held accountable for its unlawful actions and to protect consumer rights. Please inform me of any updates regarding this matter at your earliest convenience. 
Sincerely, XXXX XXXX Enclosures : Dispute letter and proof of inaccuracies XX/XX/XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA and XXXX XXXX I am writing to formally dispute inaccurate information on my credit report. This is dispute is submitted under the FCRA, XXXX XXXX XXXX, which requires consumer reporting agencies like yours to conduct a reasonable investigation/reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigation, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. It is clear you have not as the items still remain on my consumer report. 

Please see disputes listed below : Acct # XXXX XXXX XXXX $ XXXX Issues Why are you reporting transactions/experiences on my consumer report when they are excluded from a consumer report? 
Original creditor is reporting both a charge off and collection for this account. Delete for inaccuracy and misleading information. 

Acct # XXXX $ XXXX The Date Last Active reported is inconsistent with payment history while the Date of Last Payment ( XX/XX/XXXX ). 
Misleading Reporting : The account is reported as a XXXX with a derogatory status Delete this account for inaccuracy. 

Acct # XXXX Affirm- $ XXXX The Date Last Active ( XX/XX/XXXX ) is inconsistent with the Date of Last Payment ( XX/XX/XXXX ) Double reporting/misleading under FDCPA XXXX because the account is reported as both a charge-off and in collections. Delete for inaccuracy. 

XXXX XXXX ( Original Creditor : XXXX Townhomes at XXXX XXXX ) XXXX Violation of XXXX XXXX XXXX as the company does not have a XXXX bond on file with the State of Texas XXXX 
XXXX is higher than high credit suggesting Illegal added fees, penalties, or interest beyond what was legally agreed upon. 
The debt is reporting as both charged off by the original creditor and actively in collection. Delete account for violations and inaccuracies. 

XXXX ( Original Creditor : Renown Health ) Acct # XXXX $ XXXX XXXX Collection agency is double reporting the account as a collection and a charge off. 
Re-aging : Issue : The Date Opened is listed as XX/XX/XXXX, but the Date Last Active is XX/XX/XXXX ( less than 6 months apart ) The comments state : " Placed for collection - Medical '' Under FCRA XXXX ( a ) ( XXXX ), medical debts can not be reported unless they have been properly validated Collection agencies are not allowed to report a charge off. Delete this account for multiple violations and inaccuracies. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX. ) Acct # XXXX Misleading : XXXX agency is double reporting the account as a collection and a charge off. 
No contract with this company as I have never done business with them. Delete for inaccuracy and violation of my privacy. 

XXXX XXXX XXXX $ XXXX Misleading : is the account in active collections or charged off by the original creditor? 
Transactions/experiences are excluded from a consumer report so why is this reporting on mine? Delete for violations and inaccuracies. 


THD/CBNA- Acct XXXX XXXX $ XXXX Misleading as account is reporting both collection and charge off. Did the original creditor sell the account to collection agency? 
No XXXX received. Original creditor is committing tax fraud because they took a tax break on balance. 
The original creditor is reporting income while the account is over {$600.00} on my consumer report. Delete this account for violation. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and all relevant supporting documents are enclosed to facilitate your investigation. 

If you again fail to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

I expect a response in writing within the legally mandated timeframe. In addition, I expect an updated consumer report with confirmation of any changes. 

Thanks! 

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