Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XX/XX/year> ] Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It XXXX Concern, I am writing to formally dispute inaccurate and incomplete information appearing on my Experian credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite previous efforts to resolve this matter, the inaccuracies remain unresolved, causing harm to my creditworthiness. I am also deeply concerned by practices that mirror the allegations made by the Consumer Financial Protection Bureau ( CFPB ) in its recent lawsuit against Experian. 
The inaccuracies in my credit report are as follows : [ List each disputed item clearly : Creditors Name/Account Number : [ XXXX XXXX XXXX XXXX Inaccuracy : [ Incorrect balance, status, and reporting of delinquency ] Explanation : [ This account was paid in full, Never late, closed, and I have provided documentation to support this. However, the credit report continues to show otherwise. ] ] Creditors Name/Account Number : [ XXXX XXXX XXXX XXXXXXXX ] Inaccuracy : [ Incorrect balance, status, and reporting of delinquency ] Explanation : [ This account was paid as agreed Never late, and closed ; I have provided documentation to support this. However, the credit report continues to show otherwise. ] ] Creditors Name/Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Inaccuracy : [ Incorrect balance, status, and reporting of delinquency ] Explanation : [ I have no knowledge off this account, this account is a collection. The original account was paid in full as agreed never late, settled, and closed, and I have provided documentation to support this. However, the reporting agency Experian continues to allow debt collectors access to my credit file despite the security freeze. ] ] Personal Information ( Addresses/ name punctuation ) Address : XXXX XXXX XXXX ( including XXXX XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explanation : [ I am not associated with any of these addresses and have no access to receive mail for these addresses, I have provided documentation of proof of residence where I receive mail, i've provided utility and mt state issued non expired drivers license. 
My living - natural borne name is XXXX XXXX XXXX no other spelling or punctuation is prohibited The CFPBs complaint highlights several troubling practices by Experian, including : Failure to conduct reasonable re-investigations into consumer disputes.

Mischaracterizing disputes through inaccurate or generic dispute codes.

Failing to forward relevant documentation submitted by consumers to furnishers.

Providing consumers with unclear, contradictory, or inadequate reinvestigation results.

Allowing previously deleted, erroneous information to be reinserted into credit reports.

These practices directly harm consumers like me, as they prevent the correction of inaccuracies that can impact credit decisions related to loans, employment, and housing.

In accordance with the FCRA, I request that you : Conduct a thorough and reasonable reinvestigation of the items listed above. 
Provide clear and detailed written notice of the results of the reinvestigation, including specific changes made ( if any ). 
If the disputed information can not be verified as accurate, delete it from my credit report. 
Prevent any reappearance of the disputed information without full compliance with reinsertion requirements under the FCRA. 
For your convenience, I have attached supporting documentation, including [ list documents, e.g., payment receipts, settlement agreements, correspondence ]. Please include these in your reinvestigation and forward them to the furnishers of the disputed information. 
This letter serves as notice that I expect full compliance with the FCRA and a prompt resolution of these disputes within the 30-day statutory period. Failure to adequately address this matter may result in additional complaints to the CFPB and other relevant authorities.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my credit report has been corrected. 
Sincerely, [ XXXX : XXXX XXXX ] [ Contact Information : email XXXX ] Enclosures : [ documents ; copy of credit report, supporting evidence ] All Entities mentioned in this report is in violation of US Federal laws as follows ; in accordance with United States 18 U.S. Code 894 - Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1666b - Timing of payments-A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

18 u.s. code 1028 A18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and 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