Consumer complaint received 2025-03-11 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:
CFPB Complaint Subject : Violations of FCRA 15 U.S.C. 1681s-2 ( b ), FDCPA 809 ( b ), and Failure to Conduct a Reasonable Investigation Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Debt Collector & Furnisher Experian Information Solutions , Inc. Consumer Reporting Agency XXXX XXXX Consumer Reporting Agency Complaint Reference : This complaint builds upon my previous CFPB complaint ( # XXXX ), which resulted in XXXX deleting the disputed account after determining it was inaccurate and unverifiable. However, Experian and XXXX continue to report this invalid account, despite the legal violations and discrepancies presented. 

Violations Identified 1. Failure to Conduct a Reasonable Investigation ( FCRA 15 U.S.C. 1681s-2 ( b ) ) Under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers ( NCS ) must conduct a reasonable investigation upon dispute notification. However, despite multiple disputes and clear discrepancies in balances, dates, and fees, XXXX failed to verify the accuracy of the debt but continues to furnish it. 
Evidence of Violation : XXXX deleted the account, acknowledging the dispute was valid, yet Experian and XXXX continue to report it in violation of FCRA standards. 
XXXX XXXX XXXX reported conflicting balances ( {$260.00} vs. {$330.00} ), dates, and charges, proving that they lack proper documentation. 
Experian and XXXX failed to ensure maximum accuracy by continuing to report data that XXXX already deemed unreliable. 
Regulatory Breach : FCRA 1681s-2 ( b ) : Requires a reasonable investigation before continuing to report disputed information.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to conduct an independent review within 30 days.

FCRA 1681e ( b ) : Requires CRAs to maintain accurate recordsfailing to remove an invalid account violates this provision.

2. Reporting False and Misleading Information ( FCRA 1681s-2 ( a ) ) Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers can not provide inaccurate information to a consumer reporting agency when they know or should know it is false. 
Evidence of Violation : XXXX XXXX XXXX provided conflicting account balances and incorrect debt validation responses. 
The original creditor ( Wynchase Apartments ) failed to provide documentation proving XXXX legal right to collect. 
Despite XXXX deleting the account, Experian and XXXX continue to report unverified and disputed information, violating consumer rights. 
Regulatory Breach : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting knowingly inaccurate data.

FCRA 1681e ( b ) requires CRAs to ensure reported data is accurate and consistent across all bureaus.

3. Failure to Provide Proper Debt Validation ( FDCPA 809 ( b ) ) Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection and reporting efforts until proper validation is provided.

Evidence of Violation : I requested full debt validation from XXXX, including : Proof of ownership of the debt ( chain of custody from the original creditor ). 
A full payment history from XXXX XXXX 
A breakdown of alleged damages and fees. 
Documentation proving XXXX has legal authority to collect this debt. 
XXXX failed to provide proper debt validation but continued to furnish the account to Experian and XXXX. 
Regulatory Breach : FDCPA 809 ( b ) : A debt collector must stop all collection and credit reporting until full validation is provided.

FCRA 1681s-2 ( b ) : Prohibits reporting unverified accounts.

4. Experian & XXXX Failure to Remove Disputed, Unverified Debt ( FCRA 1681i ( a ) ) Evidence of Violation : XXXX deleted the account, yet Experian and XXXX failed to update or delete the same invalid entry. 
Despite clear FCRA violations by XXXX, these bureaus continue to publish and circulate false information. 
Regulatory Breach : FCRA 1681i ( a ) ( 1 ) ( A ) : CRAs must reinvestigate disputed information within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted.

Requested Resolution Given these clear violations, I demand the following actions : Immediate and Permanent Deletion of This Account From Experian & XXXX A CFPB-Supervised Investigation Into XXXX XXXX XXXXXXXX Monetary and Non-Monetary Relief for FCRA & FDCPA Violations XXXX XXXX XXXX has failed to comply with federal laws, and Experian & XXXX continued reporting constitutes reckless noncompliance with the FCRA. I request CFPB intervention to enforce deletion and pursue further regulatory actions against these entities.

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