Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
XXXX XXXX T o Experians Back Office T eam, I am writing to formally address your blatant and egregious violations of my rights under the Fair Credit Reporting Act ( FCRA ). Your actionsincluding the fabrication of dispute results, maintenance of hidden records, and failure to conduct reasonable investigationsare not only unlawful but also cause significant harm to my financial stability, reputation, and emotional well-being. 
Your misconduct exposes Experian to severe civil penalties, regulatory consequences, and reputational damage. It is imperative that you immediately rectify these violations and take corrective action to ensure full compliance with the FCRA. 
Report Number Date Generated XXXX XX/XX/year> XXXX. Fabrication of Dispute Results for Nonexistent Disputes I have received dispute results from Experian containing fabricated data, including addresses that I never disputed and that are not part of my official consumer report. This fraudulent practice violates my rights under the FCRA by : Generating dispute results for items that were never disputed.

Including fabricated and hidden records that are not visible on my credit report.

Key Violations : 15 U.S.C. 1681g : You are required to provide me with access to all information in my credit file.

15 U.S.C. 1681i ( a ) : You must conduct accurate and reasonable investigations into disputes.

By fabricating dispute results, you create the false appearance of resolving disputes while concealing your failure to properly investigate. This is nothing short of fraud and carries severe penalties under federal law, including : Statutory damages of up to {$1000.00} per individual violation. 
Actual damages for financial and emotional harm caused by false dispute results. 
Punitive damages for willful noncompliance, which can result in significant financial liability.

2. Unlawful Maintenance of Parallel Records ( Back Office Files ) The discrepancies between my official credit report and the fabricated dispute results strongly suggest that Experian is maintaining hidden or parallel records tied to my identity. This back office file appears to contain unauthorized, outdated, or fabricated information.

Such practices directly violate the FCRAs transparency and accuracy requirements : 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports.

15 U.S.C. 1681g ( a ) : You must provide consumers with access to all information maintained about them.

By maintaining a hidden database, you undermine the integrity of the credit reporting system and violate my rights as a consumer. This practice exposes Experian to massive civil penalties and increases the likelihood of regulatory and legal action, including : Substantial fines by the CFPB and FTC for systemic violations.

Class action liability for maintaining unauthorized records that harm consumers. 
3. Failure to Conduct a Reasonable Investigation Experian has consistently failed to conduct a reasonable investigation into my legitimate disputes. Instead, your response has been to claim that the disputed data is verified and accurate without providing any proof. Specifically : You have failed to provide verifiable documentation from furnishers supporting the validity of unauthorized information, including : Unauthorized addresses : XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, RI XXXX were never on my report Unauthorized accounts : XXXX XXXX, Account : XXXX XXXX XXXX XXXX, Account : XXXX XXXX XXXX, Account : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Remains Account XXXX 15 U.S.C. 1681i ( a ) : A reasonable investigation requires independent verification of disputed items. Simply reiterating unverifiable information from furnishers is inadequate and unlawful.

Your refusal to properly investigate my disputes has caused significant harm to my credit standing and financial opportunities. It is clear that Experian is intentionally avoiding accountability, further compounding your liability under federal law. 
Grand Penalties for Noncompliance and Fabrication Experians systemic violations of the FCRA expose the company to severe legal and regulatory consequences, including : 1. Civil Liability : Statutory damages of {$1000.00} per violation.

Actual damages for harm caused by false reporting, fabrication, and negligence.

Punitive damages for willful noncompliance, with no statutory cap.

2. Regulatory Enforcement : The CFPB and FTC may impose substantial fines for systemic violations, with penalties exceeding {$10000.00} per instance of misconduct.

State Attorneys General may pursue additional actions for deceptive and fraudulent practices.

3. Class Action Exposure : The maintenance of hidden records and fabricated dispute results could trigger multi-billion-dollar class-action lawsuits with devastating financial consequences.

4. Loss of Public Trust and Reputation : Your repeated and deliberate violations erode consumer trust and damage Experians credibility with regulators, furnishers, and the public.

5. Class Action Exposure : Systemic issues, such as hidden records and fabricated dispute results, expose Experian to multi-billion-dollar class-action liability. 
Remove all unauthorized, and accounts from credit reporT

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