Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian, XXXX, and XXXX for violating federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These violations include inaccurate reporting, failure to conduct proper investigations, and reporting unverifiable and outdated information. 

The derogatory accounts listed below are inaccurately reported, causing harm to my credit profile. Despite submitting formal disputes, the credit reporting agencies have failed to adequately investigate or remove these inaccuracies. 

Additionally, the companies reporting the accounts have not provided debt validation as required by 15 U.S.C. 1692g, and the CRAs are continuing to report outdated information in violation of 15 U.S.C. 1681c ( a ), 1681i, and 1681b. 

Accounts and Amounts in Dispute XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Status : Charged off. {$1100.00} written off. {$860.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Status : Charged off. {$730.00} written off. {$720.00} past due as of XX/XX/XXXX. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Status : Charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX. XXXX XXXX. 

Date Opened : XX/XX/XXXX Balance : {$1900.00} Status : Collection account. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$750.00} Status : Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Paid in settlement. {$1000.00} written off. 
XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Paid in settlement. {$1000.00} written off. 
XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Paid, Closed. {$89.00} written off. 
XXXX XXXX. 

Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed. {$4700.00} written off. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Paid, Closed. 

Federal Violations Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ; 12 CFR 1022.43 ) Experian, XXXX, and XXXX failed to conduct reasonable reinvestigations of my disputes. I formally disputed the above accounts and received either inadequate responses or no resolution. 

Inaccurate Reporting of Charge-Offs and Collection Accounts ( 15 U.S.C. 1681c ( a ) ) Charge-offs and collections, such as those for XXXX XXXX and XXXX, include unverifiable and outdated derogatory remarks. 

Failure to Validate Debts ( 15 U.S.C. 1692g ) Collection agencies like XXXX XXXX XXXX and XXXX. XXXX XXXX have failed to provide proper validation for debts upon request. 

Permissible Purpose Violations ( 15 U.S.C. 1681b ) Inquiries tied to derogatory accounts, such as XXXX XXXX XXXX XXXX, were made without my authorization or permissible purpose. 

Unfair Practices ( 15 U.S.C. 1692f ) Reporting paid accounts with derogatory notations, such as XXXX , creates an unfair and misleading credit profile. 

False or Misleading Representations ( 15 U.S.C. 1692e ) Accounts marked as " settled '' or " closed '' still include derogatory remarks and written-off amounts, misrepresenting the true status of the accounts. 

Actions Taken by Me Dispute Letters Sent I formally disputed all the above accounts with the credit reporting agencies XXXX of XXXX. 

Debt Validation Requests Sent I requested validation of debts for all collection accounts, including XXXX. XXXX XXXX and XXXX XXXX XXXX. No valid documentation has been provided. 

Follow-Ups Submitted I followed up on my disputes and validation requests but received no meaningful action from the credit reporting agencies. 

Impact on Me The inaccurate reporting of these accounts has : Damaged my creditworthiness, resulting in denials of credit applications. 
Caused financial harm by leading to higher interest rates on loans. 
Created emotional distress due to the negligence of the credit reporting agencies.

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