Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
b"Summary:\n\nI am filing a complaint against XXXX XXXX XXXX and Experian for repeated, willful violations of the Fair Credit Reporting Act (FCRA) and for knowingly reporting and maintaining false, derogatory, and harmful information on my consumer credit report after I properly disputed the account.\n\nAccording to the CFPB's guidance on consumer reporting obligations under the FCRA, once a consumer disputes information, both furnishers and consumer reporting agencies have an affirmative duty to investigate and correct or delete inaccurate information under 12 CFR  1022.43 and FCRA  611.XXXX XXXX  has continuously reported false information for over four (4) years, and Experian has aided and abetted this false reporting by failing to conduct a reasonable investigation, despite receiving a certified written dispute from me in XXXX XXXX. Their ongoing actions have caused continued financial and reputational harm.\n\nTimeline of Events:XXXX XXXX XXXX mailed a formal, certified dispute letter to Experian (Certified Mail Tracking #XXXX XXXX XXXX XXXX XXXX XXXX).\nIn this letter, I disputed the XXXX XXXX account (#XXXX) and demanded either:\n\nVerification of the alleged charge-off, or\n\nFull deletion of the derogatory information if validation could not be provided.XXXX XXXX XXXXUSPS confirms Experian received my certified dispute (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXXDespite receipt of my dispute, Experian continued to report the XXXX XXXX account without validation or correction, and XXXX XXXX continued furnishing derogatory and inaccurate information, including a false charge-off status and 51 months of derogatory payment history.XXXX XXXX XXXXExperian updated the account again, showing ongoing derogatory reporting without proper validation or verification, violating FCRA  611(a)(1) which requires accurate reinvestigation procedures.XXXX XXXX XXXXMy updated myFICO 3-Bureau Credit Report shows that XXXX XXXX is still inaccurately reported by Experian, despite prior disputes.\n\nViolations:\XXXX XXXX XXXX Violations:\n\nFCRA  623(a)(1)(A): Furnishing information known to be inaccurate.\n\nFCRA  623(a)(2): Failure to promptly update and correct inaccurate information.\n\nFCRA  623(b): Failure to properly investigate after receiving notice of a dispute.\n\nFCRA  607(b): Failure to ensure maximum possible accuracy of reported information.\n\nDefamation/Libel (State Law Violation): Willfully harming my reputation by knowingly furnishing false and derogatory information.\n\nExperian Violations:\n\nFCRA  611(a)(1)(A): Failure to conduct a reasonable reinvestigation.\n\nFCRA  611(a)(5)(A): Failure to delete inaccurate or unverifiable information within the required timeframe.\n\nFCRA  607(b): Failure to maintain maximum possible accuracy.\n\nEvidence:\n\nCertified mail receipt and delivery proof showing Experian received my dispute in XXXX XXXXCopy of my XXXX XXXX XXXX  dispute letter specifically citing XXXX XXXX and demanding validation or deletion.\n\nUpdated myFICO report (XXXX XXXX XXXX) showing the continued inaccurate reporting.\n\nScreenshots of Experians continued reporting as of XXXX XXXX XXXXHow Experian and XXXX XXXX are Colluding:\n\nBoth Experian and XXXX XXXX are in violation of CFPB's compliance requirements regarding consumer dispute handling.\nAs per 12 CFR  1022.43 (Disputes and Reinvestigations by Furnishers) and the CFPBs interpretation of FCRA  623(b) responsibilities:\n\nExperian received my dispute but continued reporting XXXX XXXX  account without verifying its accuracy or deleting it.XXXX XXXX continued furnishing false information without conducting a reasonable investigation.\n\nExperian and XXXX XXXX both mutually benefited by maintaining derogatory data that lowered my credit scores, increased my cost of borrowing, and inflicted emotional and reputational harm, a practice deemed illegal and abusive under the FCRA and CFPB standards for fair reporting.\n\nRequested Resolution:\n\nImmediate deletion of the XXXX XXXX account from all Experian records as mandated under FCRA  611(a)(5)(A) when information cannot be properly verified.\n\nWritten confirmation from Experian and XXXX XXXX that the account has been permanently deleted from my credit file.\n\nCompensation for:\n\nStatutory damages under FCRA  616,\n\nActual damages (financial harm, emotional distress),\n\nPunitive damages for willful noncompliance.\n\nFull investigation by the CFPB into Experians and XXXX XXXX pattern of knowingly maintaining inaccurate information after receiving certified consumer disputes."

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