Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
Despite my exhaustive efforts to resolve this matter, Experian continues to report inaccurate information on my credit report, resulting in substantial harm to my financial standing and well-being. I have sent multiple letters, with certified mail receipts attached and marked as Experian C, and have lodged several formal complaints through the CFPB portal, referenced by the case numbers provided below. However, Experian has repeatedly and improperly responded by claiming to have " verified '' the account in question.

This response is both unnecessary and legally insufficient. The account in question contains severe inaccuracies that constitute clear violations of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Experian is obligated to delete inaccurate information from a consumers file. By failing to do so, Experian is in direct violation of federal law and is perpetuating the harm caused by these inaccuracies.

Previous cases, where the company failed to take corrective action, are listed below : XXXX XXXX XXXX I hereby present a formal notice regarding the inaccuracies reported by Experian, which are wholly unrelated to any account verification processes that Experian has improperly and repeatedly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As evidenced by the attached document marked XXXX XXXX Reporting updates, Experian has been unlawfully updating a charged-off account on a monthly basis. This practice not only perpetuates inaccuracies in my credit report but also constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and integrity of information furnished to consumer reporting agencies. 
2. Inconsistent Reporting Across Credit Agencies : The attached document, marked Chase Reporting Differences, clearly demonstrates significant discrepancies in the reporting of the same account by Experian, XXXX, and XXXX. Inconsistencies such as differing Date Last Active and Last Reported entries across these agencies are blatant violations of federal law under the FCRA. These discrepancies undermine the accuracy of my credit report and are in violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experians continued failure to address and rectify these inaccuracies is not only legally indefensible but also constitutes grounds for legal action. I hereby demand the immediate deletion of this inaccurate account from my credit report. Should Experian fail to comply with this demand, I will pursue all available legal remedies to protect my rights, including filing a lawsuit for statutory damages, actual damages, and legal fees under the FCRA.

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