Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding Experian 's failure to comply with my credit report dispute, dated XX/XX/year> ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). Experian has willfully neglected my requests and has not fulfilled its obligations under the Fair Credit Reporting Act ( FCRA ) to properly investigate and verify the disputed items on my credit report. I am demanding the deletion of all inaccuracies due to XXXX refusal to comply with the requests in my demand letter. 

Violations of the FCRA : Failure to Conduct Direct Verification ( FCRA Section 609 ( a ) and 611 ( a ) ) : I explicitly demanded that Experian conduct direct verification with the original creditors for each disputed item, as required under FCRA Section 609 ( a ) and FCRA Section 611 ( a ). This verification must involve contacting the original source of the information, not relying on third-party data aggregators or resellers. Experian failed to provide documentation showing that the information was directly verified with the original creditors. 

Specific request from my demand letter : The name and contact information of the original source contacted for each disputed item. 
The specific information provided by the original source to verify the accuracy of the disputed item. 
The date and method of contact with the original source. 
Confirmation that no third-party data aggregators or resellers were relied upon in the reinvestigation process. 
Failure to Provide Complete Documentation of Reinvestigation ( FCRA Section 611 ( a ) ) : I demanded that Experian provide detailed documentation of the reinvestigation, including the original signed contracts, payment histories, and proof of identity used to open the accounts. These documents were necessary to verify the disputed information. Experian failed to provide any of this documentation, violating FCRA Section 611 ( a ), which requires a credit reporting agency to conduct a reasonable reinvestigation and provide evidence of its findings.

Failure to Exclude Third-Party Data Sources ( FCRA Section 611 ( a ) ) : I explicitly requested that Experian not use any third-party data sources, such as XXXX or other data aggregators, in the reinvestigation process. The FCRA requires a credit reporting agency to verify disputed information directly with the original creditor. By relying on third-party data sources, Experian has violated FCRA Section 611 ( a ). My demand that no third-party data aggregators or resellers be used was ignored.

Failure to Remove Unauthorized Hard Inquiries ( FCRA Section 611 ( a ) ) : In my dispute, I identified several unauthorized hard inquiries that should have been deleted from my credit report. Despite this, Experian failed to remove these inquiries or provide any proof of their legitimacy, which constitutes a violation of FCRA Section 611 ( a ). 

Failure to Comply with Certified Mail Request : I specifically requested that all correspondence related to my disputes be conducted via certified mail with return receipt requested. Experian ignored this request and continued to respond electronically, which has further contributed to the lack of transparency and security in their responses. 

Negligence and Dismissive Behavior : XXXX refusal to comply with my lawful requests and its dismissive behavior has caused significant distress. Their negligence in handling my dispute has affected my credit standing and caused emotional harm due to the prolonged and unresolved inaccuracies on my credit report. 

Requested Resolution : Given that Experian has had more than XXXX XXXX to comply and has failed to fulfill its obligations, I am no longer requesting further reinvestigation. Instead, I am demanding that the CFPB require Experian to delete all inaccuracies from my credit report immediately. These inaccuracies were not properly verified, and Experians failure to comply with the FCRA within the legally mandated timeframe requires the removal of these disputed items. 

I request the following : Delete all inaccuracies from my credit report, as these items were not properly verified within the XXXX timeframe required under FCRA Section 611 ( a ) ( 5 ). 
Ensure that any further correspondence is sent via certified mail with return receipt requested, as per my original request, to avoid further issues and lack of transparency.

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