Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
Dear Experian Dispute Department, This letter serves as a formal follow-up and final notice regarding my previous dispute submitted on XX/XX/year>, concerning the fraudulent and unlawfully reported XXXX XXXX XXXX account on my credit report. Your recent response dated XX/XX/year>, failed to address the core issues and continues to violate my rights under federal and state laws. 

Legal Violations and Demands 1. Failure to Ensure Accuracy of Information ( FCRA - 15 U.S.C. 1681e ( b ) ) Consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Experians continued reporting of the XXXX XXXX XXXX accountdespite the provided FTC Identity Theft Report and written confirmation from XXXX XXXX XXXX that they are not reporting the accountdemonstrates willful non-compliance. 

2. Failure to Reinvestigate Disputed Information ( FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) The FCRA mandates that credit reporting agencies conduct a reasonable reinvestigation within 30 days of receiving a dispute. Experians so-called investigation ignored the extensive documentation I provided and failed to obtain proper verification from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This failure constitutes a violation of my rights under the FCRA. 

3. Violation of Disclosure Rights ( FCRA - 15 U.S.C. 1681g ( a ) ( 2 ) ) I have the right to obtain all information in my file at the time of my request, including the sources of any reported information. Despite multiple requests, Experian has refused to provide the Method of Verification ( MOV ) as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), thereby denying me access to critical information.

4. Reporting Obsolete Information ( FCRA - 15 U.S.C. 1681c ( a ) ) Experian continues to report obsolete or inaccurate information by listing the XXXX XXXX XXXX account as a charged-off debt, despite the confirmed absence of any legal basis to continue reporting it. This violates the FCRAs mandate to exclude outdated or unverifiable information from credit reports.

5. Deceptive and Unfair Practices ( FTC Act - 15 U.S.C. 45 ( a ) ) Experians deliberate continuation of reporting disputed and fraudulent information constitutes an unfair and deceptive practice under the FTC Act. The act prohibits deceptive and unfair practices that harm consumers, and Experians refusal to correct the error despite proof of fraud directly violates this statute.

6. Knowingly Reporting False Credit Information ( FDCPA - 15 U.S.C. 1692e ( 8 ) ) Under the FDCPA, it is unlawful to communicate credit information known to be false or to fail to communicate that a disputed debt is disputed. Since XXXX XXXX XXXX confirmed in writing that they do not report this debt, Experians continued reporting of a {$0.00} balance charge-off without indicating the dispute constitutes a violation.

7. Failure to Comply with Identity Theft Protections ( Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ) The Identity Theft and Assumption Deterrence Act criminalizes the misuse of personal identifying information. By continuing to report a fraudulent account linked to identity theft despite clear and credible evidence, Experian is effectively perpetuating the consequences of criminal identity theft.

8. Violation of State Consumer Protection Laws ( Georgia Fair Business Practices Act - O.C.G.A. 10-1-390 ) Experians actions violate the Georgia Fair Business Practices Act by engaging in deceptive and unfair reporting practices. The refusal to conduct a thorough investigation and the ongoing reporting of fraudulent information are contrary to state consumer protection laws.

Demands : Immediate Deletion and Compensation 1. Immediate Deletion : Delete the fraudulent XXXX XXXX XXXX account from my credit report without further delay. 
2. Compensation : As stipulated by FCRA 1681n, I am demanding {$1000.00} per violation for willful non-compliance, as well as compensation for emotional distress and financial harm.

3. Verification of Deletion : Provide written confirmation that the account has been deleted, along with an updated copy of my credit report.

4. Method of Verification ( MOV ) : Disclose the sources of information that were allegedly verified, including the name, address, and contact number of the information provider.

9. Demand for Chain of Title and Debt Validation Experian has failed to provide adequate documentation to substantiate the continued reporting of the XXXX XXXX XXXX account. I am formally demanding that Experian provide the following : XXXX. Chain of Title Documentation : Proof of ownership transfer from XXXX XXXX XXXX to XXXX XXXX XXXX. 
Proof that XXXX XXXX XXXX legally acquired the debt and has the authority to collect or report it. 
Documentation of any subsequent transfers, sales, or changes in the accounts ownership.

2. Furnisher Contact Information and Validation : Provide written documentation of all contacts made with the furnisher of the information ( XXXX and/or XXXX XXXX XXXX XXXX XXXX 
Disclose the names, addresses, and telephone numbers of all entities involved in reporting or verifying this debt. 
Confirm whether Experian directly communicated with XXXX XXXX XXXX to verify that the account should still be reported after they ceased collections. 
3. Debt Validation Documentation : Complete validation of the alleged debt, including : Original contract or agreement proving that I am legally responsible for the debt.

Payment history showing the dates and amounts of all payments made. 
Proof of any charge-off notice issued by XXXX before the account was transferred to XXXX XXXX XXXX XXXX 
Verification that the debt was not discharged, settled, or voided prior to or after the transfer.

4. Proof of Late Payments ( Compliance with FCRA and FDCPA ) : Provide documentation verifying that late payments were correctly reported within the legal timeframe.

Specifically, demonstrate compliance with the 21-day notification rule before reporting late payments as required by law.

Include copies of pre-repossession and post-sale notices mandated under UCC 9-611 and UCC 9-613 .

10. Continuing to Report Despite Ceasing Collections XXXX XXXX XXXX has confirmed in writing that they ceased all collection efforts and are no longer reporting the account. Therefore : On what legal basis does Experian continue to report this account as a charge-off with a {$0.00} balance? 
Why is Experian still listing the account when the last known furnisher ( XXXX XXXX XXXX ) has terminated reporting? 
Why did Experian fail to remove the tradeline after receiving documentation from XXXX XXXX XXXX confirming the cessation of reporting? 

11. Failure to Cease Reporting After Debt Cancellation ( FCRA and FDCPA Violations ) Continuing to report a debt after the original creditor or debt buyer ( XXXX XXXX XXXX ) has terminated collection and reporting violates : FCRA - 15 U.S.C. 1681e ( b ) ( accuracy of reports ).

FDCPA - 15 U.S.C. 1692e ( 8 ) ( communicating false credit information ).

Georgia Fair Business Practices Act ( FBPA ) - O.C.G.A. 10-1-390 ( deceptive practices ). 

Experian must provide documentation confirming the legal justification for continuing to report this account, especially when XXXX XXXX XXXX, the last known holder, has officially ceased all collections and reporting efforts.

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