Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Complaint Update to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/year> Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX Email : XXXX Subject : Follow-Up Complaint Against Experian Information Solutions , Inc . Violations of FCRA and Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am submitting this follow-up complaint regarding Experian Information Solutions , Inc. and their continued violations of the Fair Credit Reporting Act ( FCRA ) through delay tactics, failure to investigate, and failure to validate disputed accounts on my credit report. 

XXXX. Experians Response and Ongoing Issues Experians response to my initial complaint was generic and failed to address the specific errors I identified. They claimed to have contacted furnishers, but they provided no verification, proof of accuracy, or valid documentation for the disputed accounts. 
Instead, Experian continues to delay investigations and allow unverified information to remain on my credit report, causing ongoing harm to my creditworthiness. This response demonstrates noncompliance with FCRA provisions and a pattern of ignoring consumer protection laws. 

XXXX. Specific Account Errors and Violations XXXX. XXXX XXXX XXXX Account # XXXX Errors Identified : Charged-off account reporting contradictory balances and a past due status on a closed account. 
FCRA Violations : Section 609 ( a ) ( 1 ) : Failure to validate debt ownership and payment details.

Section 611 ( a ) : Failure to investigate and correct errors within 30 days. 
Requested Action : Delete this account immediately for failure to provide documentation verifying the balance and delinquency timeline. 

XXXX. XXXX XXXX XXXX Account # XXXX Errors Identified : Account shows illegal re-aging, extending the XXXX reporting period. 
Missing payment history and proof of debt ownership. 
FCRA Violations : Section 605 ( c ) : Illegal re-aging to extend negative reporting. 
Section XXXX ( a ) : Incomplete data reported without proper verification. 
Requested Action : Delete this account due to re-aging violations and lack of validation documentation. 

XXXX. XXXX XXXX Accounts # XXXX and # XXXX Errors Identified : Duplicate reporting of the same debt under XXXX different accounts. 
Missing payment details and verification of debt transfer. 
FCRA Violations : Section 623 ( a ) : Duplicate reporting inflates outstanding debt totals.

Section 609 ( a ) ( 1 ) : Missing documentation of debt ownership and transfer.

Requested Action : Remove duplicate entries immediately and correct balances to reflect accurate data. 

XXXX. XXXX XXXX XXXX Account # XXXX Errors Identified : Balance discrepancies and missing payment history. 
Re-aging violations extending the reporting period beyond the XXXX limit. 
FCRA Violations : Section 605 ( c ) : Illegal re-aging resets the reporting clock. 
Section XXXX ( a ) : Failure to investigate and provide validation documents. 
Requested Action : Delete this account due to failure to validate ownership and inconsistent reporting. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX Errors Identified : Account opened without authorization, suggesting fraud or identity theft. 
Missing validation details required under the FDCPA. 
FCRA Violations : Section 609 ( a ) ( 1 ) : Failure to validate the accounts origin and details.

FDCPA ( 15 U.S.C. 1692g ) : No response to debt validation requests.

Requested Action : Immediate deletion for being fraudulent and unverifiable. 

XXXX. XXXX XXXX Account # XXXX Errors Identified : Incorrect balances and past due statuses. 
Re-aging concerns and failure to validate ownership. 
FCRA Violations : Section 605 ( c ) : Illegal extension of the reporting period.

Section 609 ( a ) ( 1 ) : No verification of the debt provided. 
Requested Action : Delete this account for failure to verify ownership and provide proof of balances. 

XXXX. Experians Ongoing FCRA Violations Failure to Investigate ( FCRA Section 611 ( a ) ) : Experian has failed to conduct proper investigations and continues to report unverified information.

Unverified Data ( FCRA Section 609 ( a ) ( 1 ) ) : Experian has not provided documentation to validate the accuracy of reported debts.

Re-aging of Accounts ( FCRA Section 605 ( c ) ) : Experian permitted illegal re-aging to extend negative reporting periods.

Duplicate Reporting ( FCRA Section 623 ( a ) ) : Experian allowed the same debt to be reported multiple times, inflating outstanding balances. 

XXXX. Requested Actions from CFPB I request the CFPB to : Enforce Compliance : Ensure Experian adheres to the FCRA, investigates disputes properly, and demands valid documentation from furnishers. 
Delete Unverified Accounts : Remove all unverifiable, duplicate, and inaccurate accounts listed above.

Validate Information : Require Experian to provide proof of ownership, balances, and payment history for disputed accounts. 
Impose Penalties : Enforce fines and penalties for Experians noncompliance with federal consumer protection laws.

Monitor Experian Practices : Conduct audits to ensure Experians compliance with investigation protocols and timelines. 

XXXX. Conclusion Experians continued use of stall tactics and refusal to properly investigate my disputes is a direct violation of my rights under the FCRA. Their actions have caused significant damage to my credit profile. 
I request the CFPBs immediate intervention to enforce consumer protections and ensure compliance with federal laws. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Email : 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