Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Experian, I am writing to demand the immediate removal of the following items from my credit report, as they have been unverifiable, and your company has violated multiple sections of the Fair Credit Reporting Act ( FCRA ), among other consumer protection laws, by failing to investigate my dispute within the legally required 30-day period. Additionally, Experian has failed to provide any sufficient documentation to validate these items, which is required under federal and state laws. 

The following items were initially disputed on XX/XX/XXXX and continued with the last dispute being on XX/XX/XXXX, yet Experian has failed to complete a reasonable investigation of these items within the required 30-day period, as mandated by Section 1681i of the FCRA. Experian responded 59 days later, which is a clear violation of the law. As a result, these items must be removed immediately from my credit report.

The latest lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian further emphasizes the systemic failures of your company in ensuring accurate reporting, timely investigations, and compliance with federal laws. This lawsuit underscores the urgency of my request and supports my demand for immediate corrective action. 

Disputed Items Charge-Offs : 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 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 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 XXXX XXXX XXXX XXXX  Violations of Consumer Protection Laws Failure to Investigate Within 30 Days ( FCRA Section 1681i ) : Your failure to complete a reasonable investigation within the legally required timeframe directly violates federal law.

Failure to Provide Accurate Information ( FCRA Section 1681e ( b ) ) : The continued reporting of unverifiable items demonstrates noncompliance with your obligation to ensure maximum possible accuracy.

Failure to Verify or Validate the Disputed Information ( FCRA Section 1681i ( a ) ( 6 ) ) : If disputed information can not be verified, it must be deleted. No sufficient validation has been provided for the listed items.

Failure to Provide Documentation of Verification ( FCRA Section 1681i ( a ) ( 4 ) ) : Experian is required to provide evidence of how the disputed items were verified. No such documentation has been furnished, making these items unverifiable and subject to removal. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Prolonged delays, failure to address disputes, and lack of transparency in your investigation process align with patterns identified in the CFPB 's recent lawsuit as unfair and deceptive practices.

Re-Aging of Debt ( FDCPA Section 807 ( 8 ) ) : Altering the date of delinquency to extend the reporting period constitutes a violation of federal law, and I demand confirmation that no such practice occurred.

Virginia Consumer Protection Laws : Your actions also violate state laws, including : Virginia Consumer Protection Act ( 59.1-196 et seq. ) : Deceptive practices in consumer transactions, such as improper reporting, are prohibited.

Virginia Equal Credit Opportunity Act ( 6.2-500 et seq. ) : Failure to handle disputes fairly may reflect discriminatory practices.

Virginia Debt Collection Act ( 6.2-1000 et seq. ) : Abusive or deceptive practices in debt reporting are prohibited under this act.

Prevention of Retaliation Federal and state laws prohibit retaliation in response to disputes or the enforcement of consumer protection rights. Any actions, such as false reporting or refusal to investigate future disputes, will be met with further complaints and legal action.

Actions Demanded Given the violations detailed above, I demand the immediate removal of the disputed items listed. Additionally, I require written confirmation of their removal within 15 days of receiving this letter. Failure to comply will result in the following actions : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals Office.

Pursuing legal action under the FCRA, FDCPA, UDAAP, and other applicable laws, which allow for the recovery of statutory damages, actual damages, attorney fees, and court costs. 
Thank you for your immediate attention to this matter. I expect prompt resolution and written confirmation of the actions taken.

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