Consumer complaint received 2025-01-14 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 recently came across information regarding the CFPBs lawsuit against Experian. I believe I was adversely affected, as my chances of obtaining credit were negatively impacted after receiving a response to a prior dispute stating that the accounts in question had been verified. I request that you either provide the necessary evidence to support this verification or promptly remove the disputed accounts.

Violation 1.

Fraudulent Claims and Misrepresentation XXXX XXXX XXXXXXXX Fraudulent Collection Attempts : If a collection agency continues to pursue a debt that has been discharged and reported via a 1099-C, they could be engaging in fraudulent practices. This might constitute fraud not only against the consumer but also potentially against the IRS, as it involves misleading actions regarding the status of the debt. 

Violation 2.

inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), Section 611, 15 U.S.C. 1681i. The information listed below has been added to my credit report without my consent or prior notification and must be corrected immediately. 
According to the FCRA, any information added to my credit report must be accurate, complete, and verifiable. I believe this account was added in violation of my rights under the FCRA, specifically : Section 605B ( a ) : This section requires that I be informed and given an opportunity to respond to any account or transaction being placed on my credit report.

Section 623 ( a ) ( 1 ) ( A ) : This section mandates that information providers must not furnish information to credit reporting agencies if they know or have reasonable cause to believe that the information is inaccurate. 
I request that the entry be investigated under the provisions of the FCRA, and that the account in question be removed from my credit report if it can not be verified. Please send me written confirmation that this disputed item has been removed. 

Regarding Inaccurate Credit Reporting information that remains on my credit report despite previous attempts to rectify these errors. I have noticed that much like the issues highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, my disputes have not been adequately investigated or resolved. 

Specifically, I have repeatedly disputed the accuracy of the disputed item continues to be reported inaccurately. Each time, I receive a response indicating that the information has been " verified '' by the furnisher, yet no substantial proof or explanation is provided to support this verification. 

The CFPB has outlined in their lawsuit against Experian that such practices violate the Fair Credit Reporting Act ( FCRA ), which mandates proper investigation of disputes and accurate reporting. Experian, as noted by the CFPB, failed to conduct meaningful investigations, leading to the reinsertion of erroneous information into consumer credit reports. I believe my situation mirrors these allegations, where my concerns have been dismissed without thorough review or fair investigation. 

Dates : XX/XX/year> XX/XX/year> 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