Consumer complaint received 2025-02-07 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:
[ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Breach of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally file a complaint against Experian regarding serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and potentially the False Claims Act concerning the inaccurate reporting of my XXXX XXXX XXXX. 

Despite my numerous requestsmade both verbally and in writingExperian has failed to provide me with the XXXX of XXXX ( MOV ) for the XXXX XXXX tradeline, which is my right under 15 U.S.C. 1681i of the FCRA. This section mandates that a consumer reporting agency must conduct a reasonable investigation, including the provision of relevant documentation upon request. I have repeatedly demanded access to this documentation to verify the accuracy of the information being reported, yet these requests have gone unfulfilled. Additionally, Experian has reported the tradeline as " XXXX '' multiple times after opening unauthorized disputes, thereby circumventing the obligation to provide the requested MOV. 

This correspondence is not a dispute ; rather, it is a formal demand for the production of the MOV or the removal of the inaccurate information, as mandated by the FCRA. Specifically, I am invoking 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. 

Furthermore, after contacting XXXX XXXX directly, I discovered inconsistencies in the information reported on my credit file. It appears that Experian has continued to report this tradeline as accurate, despite acknowledging these discrepancies, thus raising serious concerns over compliance not only with the FCRA but also with the Fair Debt Collection Practices Act, particularly 806 ( 5 ), which prohibits deceptive or misleading representations in connection with the collection of debts.

In addition, the Federal Trade Commission ( FTC ) has stipulated regulations regarding the consumer 's right to dispute inaccurate information under 16 C.F.R. 660.4. Experian 's negligence in providing the requested MOV stands in violation of these FTC rules and regulations.

The continued inaccurate reporting of this tradeline is not merely an oversight but could also be construed as a violation of the False Claims Act if Experian knowingly continues to misrepresent the accuracy of the information they report. In the case of **XXXX  XXXX XXXX XXXX XXXX XXXX the court upheld that consumers have rights under the FCRA to accurate reporting and timely responses to verification requests, principles that Experian appears to be violating in this instance. 

I am attaching copies of my correspondence with Experian and any responses received, as well as documentation from my communication with XXXX. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, as it pertains to my financial well-being and my rights under federal law. 

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

Sincerely, [ 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