Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian Information Services LLC for their failure to respond within the legally mandated 30-day timeframe and for their non-compliance with the Fair Credit Reporting Act ( FCRA ) in handling my dispute regarding inaccurate information on my credit report. 

Details of the Complaint : Dispute Filed with Experian : On XX/XX/year>, I submitted a formal dispute to Experian ( Dispute ID : XXXX ), requesting the removal of inaccurate accounts, late payments, charge-offs, and inquiries from my credit report. My dispute explicitly stated that Experian must exclude third-party data sources, such as XXXX, and verify the information directly with the original creditors, as required under FCRA 609 and 611.

Failure to Respond within 30 Days : As of today, more than 30 days have passed since Experian received my dispute on XX/XX/year>, and I have not received any formal response or documentation from Experian regarding the investigation of the disputed items. This failure to respond violates FCRA 611 ( a ) ( 1 ), which mandates that consumer reporting agencies complete their investigation and provide a response within 30 days.

Failure to Remove Inaccurate Accounts : In my dispute, I identified multiple inaccurate items, including late payments, charge-offs, and hard inquiries that should be removed from my credit report. I have attached a list of the disputed items for reference. Despite the clear inaccuracies, Experian has failed to take any corrective action, and these accounts continue to negatively affect my credit. 

List of Disputed Items ( Previously Submitted to Experian ) : Late Payments : Accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Office of the Attorney General ( Child Support ). 
Charge-offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Hard Inquiries : Multiple inquiries, including XXXX XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX : I request that the CFPB take immediate action to ensure that Experian : Deletes all inaccurate and unverifiable accounts from my credit report as per my dispute. 
Complies with the FCRAs 30-day timeframe for responding to disputes.

Provides detailed documentation of the investigation, including verification with original creditors, as required by FCRA 611 ( a ) ( 6 ) ( B ).

Enclosed are copies of the dispute letter I sent to Experian, my 15-day follow-up letter, and relevant credit report documentation showing the inaccurate items that remain on my credit report.

I trust the CFPB will take prompt action to ensure Experian complies with the Fair Credit Reporting Act and provides the necessary corrections to my credit report.

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