Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
I am writing to formally demand that Experian take immediate corrective actions to address the violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010. The FCRA was established to promote the accuracy and fairness of information in consumer credit reports and gives consumers the right to dispute incomplete or inaccurate information in their credit file. Consumer reporting agencies like Experian are required to : 1. Forward disputes of incomplete or inaccurate information to the company that originally provided the information ( called the " furnisher '' ) for investigation.

2. Reinvestigate disputes and remove or correct any inaccurate, incomplete, or unverifiable information.

3. Provide adequate written notic
e to consumers of the results of reinvestigations.

4. Prevent the improper reinsertion of previously deleted information into consumer credit files.

5. Follow reasonable procedures to assure maximum possible accuracy of the credit information reported on consumers.

The Bureau of Consumer Financial Protection alleges that Experian has failed to meet these obligations. Specifically, Experian has : - Failed to properly conduct reinvestigations of disputed information in consumer credit files. 
- Failed to delete inaccurate, incomplete, or unverified information in consumer credit files. 
- Failed to provide adequate written notice to consumers of the results of reinvestigations. 
- Failed to prevent the improper reinsertion of previously deleted information from consumer credit files.

- Failed to follow reasonable procedures to assure maximum possible accuracy of the credit information it reports.

Additionally, Experian has committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : 1. Failing to fully and accurately convey consumers ' disputes to furnishers, instead distorting, truncating, and mischaracterizing disputes.

2. Relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnisher 's response, despite having evidence of that furnisher 's unreliability.

3. Improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher.

These actions are direct violations of federal law and have caused significant harm to me as a consumer. I demand that Experian immediately : 1. Conduct a thorough reinvestigation of all disputed items on my credit report.

2. Remove or correct all inaccurate, incomplete, or unverifiable information.

3. Provide adequate written notice of the results of all reinvestigations.

4. Ensure that previously deleted information is not improperly reinserted into my credit file.

5. Follow reasonable procedures to assure the maximum possible accuracy of the credit information reported.

6. Reimburse me {$1000.00} per violation under 15 U.S.C. 1681n for willful noncompliance with the FCRA.

Failure to comply with these demands will result in further actions, including formal complaints to the CFPB, FTC, and additional legal remedies. Please confirm receipt of this notice and provide a detailed plan of resolution within the legally mandated timelines All collection and charge off accounts are violation of privacy act 1974, Gramm Leach Biley Act, as well as Identity theft. Those accounts must be classified as certificates of indebtness under 26 C.F>R 301.6312-1 which may qualify for discharge under Section 61 ( a ) ( 12 ) and Section 108 ( a ) of the Internal Revenue code.

The accounts that were not properly investigated by Experian are below, I will also attach a picture of these accounts, and Experian showing that there were verified but giving me the client a false claim. 
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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