Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I, TERIE RUELAS, submit this formal complaint against Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting. Background & Violations My credit report contains fraudulent accounts and unauthorized inquiries that Experian has failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, Experian has removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ). Furthermore, I sent a certified dispute letter to Experian requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 30 days passing, I have not received any response or documentation, which constitutes an additional violation of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information. 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy. 15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings. 15 U.S.C. 1681c-2 ( a ) : Failure to block fraudulent accounts upon receiving proper documentation. 15 U.S.C. 1692g ( a ) : Failure to provide debt validation within five days of reporting. 15 U.S.C. 1692g ( b ) : Illegal reinsertion of previously removed information without proper validation. 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide requested verification details, including contracts and signatures. Accounts in Dispute : XXXX XXXX ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) FST XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) Unauthorized Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Addresses XXXX XXXX XXXX XXXX Ct, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Related Lawsuits XXXX CFPB Actions XXXX CFPB has actively taken enforcement actions against Experian for similar violations, further demonstrating a pattern of noncompliance. A major lawsuit filed on XX/XX/year>, against Experian by the CFPB highlighted that Experian knowingly reported incorrect information, failed to correct disputes in a timely manner, and continued to allow erroneous reinsertion of previously deleted data without proper consumer notification. The CFPB is seeking financial penalties, injunctive relief, and systemic reforms to prevent future violations. These actions underscore the CFPBs commitment to enforcing the FCRA and ensuring that consumer reporting agencies uphold their obligations. My case mirrors these past violations, and I urge the CFPB to take similar action against Experian, including : Demands for Resolution Immediate and permanent removal of all fraudulent accounts and unauthorized inquiries from my credit file. Implementation of a permanent block to prevent the reinsertion of these accounts and inquiries without proper validation. Written confirmation of the removal and blocking of these accounts and inquiries, along with updated copies of my credit reports. A thorough investigation into how these fraudulent accounts and inquiries were recorded without my consent. Provision of investigation findings in writing, including all requested verification details, such as contracts and signatures. Enforcement of compliance with federal law by imposing financial penalties and systemic reforms to prevent further violations. Conclusion The continued noncompliance by Experian has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against Experian for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations. Your intervention is necessary to ensure that Experian is held accountable and that my credit report is permanently corrected. Sincerely, XXXX XXXX

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