Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I am filing this complaint against Experian for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) and its blatant disregard for my rights as a consumer. Despite multiple disputes and extensive documentation provided, Experian continues to report inaccurate, inconsistent, and unverifiable information on my credit report. Below, I outline the actions taken and the violations committed : Failure to Conduct a Reasonable Investigation FCRA 611 ( a ) : Experian has not conducted a reasonable investigation of the disputes I submitted regarding inaccurate and unverifiable information on my credit report. The only response I have received is that the " furnisher certified the information as accurate. '' However, no evidence or documentation has been provided to substantiate this certification. 

Failure to Remove Unverifiable Information FCRA 611 ( a ) ( 5 ) ( A ) : Two collectorsXXXX XXXX  and XXXX XXXX XXXXfailed to validate the debts associated with the XXXX XXXX XXXXXXXX accounts ( # XXXX and # XXXX ). Despite this, Experian continues to report these accounts, violating the FCRA requirement to remove unverifiable information promptly. 

Reporting Inaccurate Information FCRA 623 ( a ) ( 1 ) ( A ) : The accounts in question contain numerous inaccuracies, including inconsistent balances, incorrect dates of last activity, and conflicting account statuses across different credit bureaus. This demonstrates Experian 's negligence in maintaining accurate records. 

Failure to Provide Adequate Documentation FCRA 611 ( a ) ( 6 ) : Experian has failed to provide documentation that substantiates the accuracy of the reported information. Reliance on vague certifications without evidence violates my rights under the FCRA. 

Improper Use of Automated Systems ( e-OSCAR ) : Experians reliance on e-OSCAR, an automated system for processing disputes, fails to meet the FCRAs standard for a reasonable investigation. Automated certifications without manual review perpetuate inaccuracies and undermine the integrity of the dispute process. 

Intentional Harm to My Credit Profile : Experians continued reporting of inaccurate and unverifiable information has significantly damaged my creditworthiness, restricted my ability to access credit, and caused undue financial and emotional distress. 

Actions Taken : I submitted detailed disputes to Experian outlining errors and inconsistencies in my credit report, supported by documentation. 
I contacted XXXX XXXX and XXXX XXXX XXXX directly, both of which confirmed in writing their inability to validate the debts associated with these accounts. 
Despite these efforts, Experian has refused to take corrective action and continues to maintain inaccurate and unverifiable information on my credit report. 
Legal Violations : FCRA 611 ( a ) : Failure to conduct a reasonable investigation. 
FCRA 611 ( a ) ( 5 ) ( A ) : Failure to remove unverifiable information. 
FCRA 623 ( a ) ( 1 ) ( A ) : Knowingly reporting inaccurate information. 
FCRA 611 ( a ) ( 6 ) : Failure to provide adequate documentation. 
FCRA 611 ( d ) : Failure to notify entities that accessed my report of any corrections or deletions.

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