Consumer complaint received 2025-01-07 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: MI

Complaint narrative:
Subject : Formal Complaint Against Experian Regarding Violations of Federal Consumer Protection Laws To Whom It May Concern : I am filing this formal complaint against Experian for their violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Additionally, I am addressing issues with XXXX XXXX XXXX, XXXX related to their actions on the account listed below : XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT : {$2800.00} Violations Against Experian Reinsertion of Previously Removed Accounts : Under 15 USC 1681i ( a ) ( 5 ) ( B ), if Experian reinserted a previously deleted account into my credit report, they are required to notify me in writing within five business days and provide the specific certifications used to validate the reinsertion. This did not occur, violating my rights as a consumer.

Failure to Maintain Accurate Information : Experian is required under 15 USC 1681e ( b ) to ensure maximum possible accuracy of the information in my consumer report. The reinserted account contains inaccuracies and was reported without due diligence, leading to significant harm to my credit profile. 


Neglecting Dispute Responsibilities : Experian failed to properly investigate and address my disputes as required by 15 USC 1681i ( a ), including ensuring proper validation of the accounts in question. 
Violations Against XXXX XXXX XXXX, XXXX Failure to Provide Validation Information : The collection agency has not complied with 12 CFR 1006.34 ( b ) ( 5 ) by failing to provide sufficient validation information before reporting the account to Experian.

Denial of Dispute Opportunity : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I was not provided with the opportunity to dispute the account prior to it being reported to Experian, violating my rights under the Consumer Financial Protection Act.

False and Deceptive Practices : The collection agency is in violation of 15 USC 1692e by using false, misleading, and deceptive means in their communication and reporting practices.

Unauthorized Furnishing of Information : Without providing required disclosures, the collection agency furnished this account to Experian, violating 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Requests for Validation and Documentation Debt Validation : I request Experian provide documentation verifying the validity of the accounts reported, in compliance with 15 USC 1681g. This includes : Evidence that the debts are valid.

Documentation confirming the collection agencys authorization to report these accounts.

Purchase Agreement : I request the purchase agreement between the collection agency and the original creditor, as this is critical to establish the legitimacy of the debt and the reporting. 

Proof of Licensing and Bonding : I request proof that the collection agency is licensed and bonded to collect debts in my state.

Account Blocking : Under 15 USC 1681c-2, I request the permanent removal and blocking of these accounts from my credit report to prevent further harm caused by inaccurate and improperly validated information.

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