Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Dear Experian, I am writing regarding failure to conduct a reasonable reinvestigation and your continued violations of the Fair Credit Reporting Act ( FCRA ) in handling my dispute concerning the XXXX XXXX XXXX account. 

At this stage, you are now financially liable for these violations. I am formally demanding {$1000.00} per violation, in addition to the immediate deletion of this unverified account from my credit report. 

Legal Violations Committed by Experian {$1000.00} Per Violation Owed 1. Failure to Conduct a Proper Reinvestigation FCRA 611 ( a ) ( 1 ) Violation : You failed to provide legally required documentation to verify the account.

Penalty Owed : {$1000.00} 2. Failure to Provide Dispute Results in Writing FCRA 611 ( a ) ( 6 ) Violation : I did not receive written dispute results within 30 days, violating federal law.

Penalty Owed : {$1000.00} 3. Continued Reporting of Unverified Information FCRA 605 ( b ) Violation : An unverified charge-off is still on my report despite no valid documentation.

Penalty Owed : {$1000.00} 4. Providing False or Misleading Information FDCPA 1692e ( 10 ) Violation : You falsely claimed verification of a debt that XXXX no longer owns. 
Penalty Owed : {$1000.00} 5. Engaging in Unfair & Deceptive Practices CFPB UDAAP Laws ( 12 U.S.C. 5531 ) Violation : Your refusal to remove an account that other bureaus have deleted constitutes a deceptive act. 
Penalty Owed : {$1000.00} Total Compensation Demanded : {$5000.00} Due to your repeated willful violations of federal law, I am demanding that Experian : Immediately delete the XXXX XXXX XXXX account from my credit report. 

Send me {$5000.00} in statutory damages for the FCRA & UDAAP violations you committed.

Despite multiple disputes and clear evidence that the account is unverifiable, you have : Failed to provide any legally required documentation, including a signed contract or proof of ownership. 
Ignored the findings of other credit bureaus, which have already deleted this account. 
Continued your pattern of sham investigations, violating the CFPBs previous lawsuit findings against Experian. 
Refused to provide me with my dispute results in writing, violating FCRA 611 ( a ) ( 6 ).

Legal Violations Committed by Experian 1. Failure to Conduct a Proper Reinvestigation FCRA 611 ( a ) ( 1 ) Requirement : Credit bureaus must conduct a reasonable reinvestigation of any disputed account.

Violation : Your investigation failed to produce any legally valid documentation verifying the account.

2. Failure to Provide Dispute Results in Writing FCRA 611 ( a ) ( 6 ) Requirement : Consumers must receive the results of the investigation in writing within 30 days.

Violation : You have not provided me with the results in writing, violating federal law.

3. Continued Reporting of Unverified Information FCRA 605 ( b ) Requirement : If an account can not be verified, it must be immediately deleted.

Violation : You continue to report an account that lacks proper verification.

4. Providing False or Misleading Information FDCPA 1692e ( 10 ) Requirement : It is illegal for a credit bureau to misrepresent the status of a debt. 
Violation : XXXX no longer owns this account, yet you claim it was verified by them. 

5. Engaging in Unfair & Deceptive Practices CFPB UDAAP Laws ( 12 U.S.C. 5531 ) Violation : Your refusal to remove an account that other bureaus have deleted constitutes a deceptive practice. 

Request for Full Method of Verification ( FCRA 1681i ) Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian is required to provide me with a detailed description of the procedures used to verify this account. I am now formally requesting the following : 1. A complete description of the steps taken by Experian to verify this account.

2. The name, phone number, and address of the individual or department at XXXX XXXX XXXX that you contacted to verify this account. 
3. Copies of any documentation you relied upon to determine the accuracy of this account. 
XXXX. Proof that XXXX XXXX XXXX followed legal procedures under 15 U.S. Code 1666b, including evidence that periodic billing statements were sent at least 21 days before the payment due date. 

If you relied solely on the furnishers response without obtaining supporting documentation, this constitutes a failure to conduct a reasonable reinvestigation and is a direct violation of FCRA 1681i.

Violation of 15 U.S.C. 6802 Unauthorized Disclosure of Consumer Information Additionally, under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), financial institutions must provide consumers with opt-out options before sharing their personal financial data.

If XXXX XXXX XXXX shared my private financial data with Experian without my consent, this is an unauthorized disclosure. 
If Experian received my financial data without XXXX properly informing me, this is an additional violation. 

I demand full disclosure of how Experian obtained this data and whether my privacy rights were violated. 

Deadline for Compliance Per FCRA and Gramm-Leach-Bliley Act regulations, you must respond to this request within 15 days.

Failure to provide the required method of verification will result in the following escalations : 1. A formal complaint with the CFPB, FTC, and my state Attorney General.

2. A Pre-Arbitration Demand seeking financial compensation for damages caused by inaccurate reporting and privacy violations.

3. Legal action against Experian for willful non-compliance under FCRA 1681n, which entitles me to statutory damages of up to {$1000.00} per violation. 

1. Failure to Conduct a Proper Reinvestigation FCRA 611 ( a ) ( 1 ) Requirement : Credit bureaus must conduct a reasonable reinvestigation of any disputed account.

Violation : Your investigation failed to produce any legally valid documentation verifying the account. 

If Experian can not provide verifiable proof that this account was lawfully reported, this charge-off must be deleted immediately from my 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