Consumer complaint received 2024-12-10 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for FCRA Violations Dear CFPB Representative, I am filing this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite providing substantial evidence of inaccuracies, Experian has failed to comply with its obligations under FCRA regarding the reporting and dispute handling of an account listed on my credit report. Experian has continued to report the account inaccurately and failed to include the legally mandated " Account in Dispute '' notation, in violation of FCRA 623 ( a ) ( 3 ). Furthermore, Experian has failed to comply with its duty to ensure the maximum possible accuracy of the information on my credit report, as required under FCRA 607 ( b ). The FCRA mandates that credit reporting agencies take an active role in ensuring the accuracy of disputed information. This duty is codified in FCRA 611 ( a ), which requires CRAs to conduct a reasonable reinvestigation when a consumer disputes information, and 607 ( b ), which imposes a broader obligation to maintain accuracy in all credit reporting processes. Experian 's failure to meet these obligations has caused significant harm to my creditworthiness.

Account Details Account Information : Available upon request for investigation Violations by Experian 1. Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) Experian failed to fulfill its obligation to maintain the maximum possible accuracy of my credit report. Despite clear evidence of inaccuracies in the account information I provided, Experian has allowed this inaccurate information to remain on my credit report.

2. Failure to Investigate Disputed Information ( FCRA 611 ( a ) ) Experian failed to conduct a reasonable investigation into my disputes, responding with vague updates such as " The information you disputed has been updated. '' 3. Failure to Correct Inaccurate Information ( FCRA 623 ( a ) ( 1 ) ( B ) ) Experian failed to correct inaccuracies in the account details and has continued reporting erroneous information, despite being presented with evidence that contradicts the r e p o r t e d d a t a.

4. Failure to Include Dispute Notation ( FCRA 623 ( a ) ( 3 ) ) Experian failed to include the legally required " Account in Dispute '' notation, which should be visible to third parties reviewing my credit report. This violation persisted well beyond the 30-day statutory period, making their continued reporting of this account unlawful a s of the 31st day.

Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ), established that failing to include a dispute notation is a violation of FCRA and harms a consumer 's creditworthiness.

5. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) Experian failed to provide a detailed Method of Verification ( MOV ), including the sources and procedures used to verify the accuracy of this account, despite my repeated requests.

Supporting Evidence 1. Transaction Receipts : Proof of inaccuracies in account reporting.

2. Experian Credit Reports : Reports dated XX/XX/XXXX, showing erroneous delinquency notations such as " 30 days past due no more than two or three times. '' 3. Certified Mail Records : Confirmation of disputes sent to Experian with evidence a t t a c h e d Requested Actions 1. Require Experian to Delete the Account : Experian 's failure to mark the account as disputed within the 30-day statutory window under FCRA 623 ( a ) ( 3 ) and failure to ensure maximum possible accuracy under FCRA 607 ( b ) constitute clear violations. Accordingly, the account must be deleted for their noncompliance.

2. Enforce Penalties for FCRA Violations : Hold Experian accountable for repeated violations, including failure to investigate disputes, correct inaccuracies, and comply with dispute resolution protocols.

3. Mandate Compliance with Accuracy Standards : Ensure Experian complies with its duty under FCRA 607 ( b ) to ensure maximum possible accuracy in consumer credit reports.

Conclusion Experian 's failure to comply with FCRA 's dispute and accuracy requirements, along with its lack of response, has caused significant harm to my creditworthiness and financial stability. Their continued reporting of the account, despite clear legal obligations to mark it as disputed and to ensure accuracy, can not be allowed to persist.

Thank you for your attention to this matter. I look forward to your assistance in ensuring these violations are addressed and rectified promptly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX 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