Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) CC : Experian, TransUnion, Equifax, XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute and Complaint Regarding Willful Violations of FCRA, FACTA, FDCPA, and Maryland Consumer Protection Laws I. INTRODUCTION This complaint is submitted due to ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ), and Maryland state consumer protection laws by Experian, TransUnion, Equifax, and multiple furnishers ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Despite more than ten ( 10 ) previous disputes, these credit reporting agencies and furnishers have continued to engage in negligent, abusive, and unlawful credit reporting practices, severely damaging my creditworthiness and financial opportunities.

II. LEGAL VIOLATIONS Federal Violations : FCRA 15 U.S.C. 1681i ( a ) Failure to reasonably investigate disputes.

FCRA 15 U.S.C. 1681s-2 ( b ) Continued reporting of information known to be inaccurate.

FCRA 15 U.S.C. 1681e ( b ) Failure to maintain maximum accuracy.

FCRA 15 U.S.C. 1681c Reporting obsolete or inaccurate information. 

FCRA 15 U.S.C. 1681c-1 Ignoring active fraud alert obligations.

FACTA 15 U.S.C. 609 ( e ) Failure to block identity theft-related fraudulent information.

FDCPA 15 U.S.C. 1692e False and misleading representations in credit reporting.

Maryland State Violations : Maryland Commercial Law 14-1201 et seq. Failure to promptly and accurately correct errors.

Maryland Commercial Law 13-301 et seq. Unfair and deceptive trade practices.

Maryland Commercial Law 14-3504 Failure to block fraudulent identity theft-related information. 

III. DISPUTED ACCOUNTS AND ADDITIONAL ISSUES XXXX XXXXXXXX ( Accounts ending XXXX, XXXX, XXXX, XXXX, XXXX ) Fraudulent accounts created through identity theft. 

Disputes, affidavits, and fraud reports have been ignored. 

XXXXXXXX XXXX ( Account ending XXXX ) Improperly reporting closed debt as charged off. 

Misleading derogatory information following assignment to XXXX XXXX. 

XXXX XXXX ( Account ending XXXX ) Illegally continuing to report late payments post charge-off. 

Improper dispute closure without rectifying inaccuracies ( newer XXXX XXXX account ending XXXX ). 

XXXXXXXX XXXX Accounts ( XXXX XXXX XXXX XXXX  XXXX ) Improper post-closure charge-off reporting after debt was transferred. 

Student Loans ( XXXX ) Improper reporting harming creditworthiness while loans are in deferment. 

Closing disputes improperly while still damaging scoring. 

Fraudulent Address ( XXXX XXXX XXXX XXXX ) Identity theft address still reporting despite multiple removal requests. 

Ignored Fraud Alerts Despite having an active fraud alert ( as of XX/XX/year> ), Experian and others allowed fraudulent account reporting to persist. 

Illegal Reporting of Payment Histories Post-Charge-Off Late payments continued to be updated on charged-off accounts, violating federal law. 

High Credit Utilization Penalty Fraudulent accounts contributing to high credit utilization ratios unfairly skewing my credit profile. 


Summary of Laws, Violations, and Problems Identified ________________________________________ I. Federal Laws Violated 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681i ( a ) : Failure to reasonably investigate disputes.

1681s-2 ( b ) : Continued reporting of inaccurate information after being notified.

1681e ( b ) : Failure to maintain maximum possible accuracy.

1681c : Improper reporting of outdated, obsolete, or closed account statuses.

1681c-1 : Ignoring active fraud alert protections.

1681g & 1681h : Failure to provide full investigation results upon request. 
1681b : Improper use or dissemination of consumer credit information.

2. Fair and Accurate Credit Transactions Act ( FACTA ) 609 ( e ) : Failure to block fraudulent information related to identity theft.

3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692e : False, deceptive, or misleading representations.

1692f : Unfair or unconscionable debt collection and reporting practices.

4. Identity Theft Penalty Enhancement Act 18 U.S.C. 1028A : Knowingly facilitating or allowing identity theft damages.

________________________________________ II. Maryland State Laws Violated 1. Maryland Consumer Credit Reporting Agencies Act ( Commercial Law 14-1201 et seq. ) 14-1206 : Failure to promptly delete or modify inaccurate information.

14-1208 : Failure to properly reinvestigate disputed items.

14-1209 : Misrepresentation of consumer debt information.

2. Maryland Consumer Protection Act ( Commercial Law 13-301 et seq. ) 13-301 : Engaging in unfair, abusive, or deceptive trade practices.

3. Maryland Identity Theft Protection Act ( Commercial Law 14-3504 ) 14-3504 : Failure to block fraudulent information resulting from identity theft.

________________________________________ III. Violations and Problems Identified Problem Description Laws Violated Fraudulent Affirm Accounts Identity theft accounts not removed after proof provided. FCRA 1681i, FACTA 609 ( e ), MD 14-3504 Ignored Active Fraud Alert Experian ignored active fraud alert protections. FCRA 1681c-1 Improper Reporting of Closed Accounts Charged-off accounts reported with new late payments. FCRA 1681c, FCRA 1681s-2 ( b ) Misleading Payment History Continuing to update payment history after charge-offs. FCRA 1681e ( b ) Fraudulent Address Reporting Fraudulent address not removed from credit file. FCRA 1681g, MD 14-1208 Improper Student Loan Reporting XXXX loans reported harming score during deferment. FCRA XXXX ( b ) Improper Dispute Handling XXXX XXXX improperly closed a dispute without resolution. FCRA XXXX High Credit Utilization from XXXX XXXX accounts skewing usage ratios negatively. FCRA XXXX ( b ) IV. DEMANDS FOR IMMEDIATE ACTION Permanently delete all closed, charged-off, or fraudulently created accounts listed above. 

Permanently delete the fraudulent address ( XXXX XXXX XXXX XXXX ) from all credit files. 

Suppress the negative influence of deferred student loans from scoring models. 

Correct all inaccurate payment histories post-charge-off. 

Reopen improperly closed disputes for all affected accounts. 

Provide updated, corrected credit reports within 15 business days.

Financial compensation for willful violations, including statutory and punitive damages, as allowed under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

V. NOTICE OF LEGAL ACTION Failure to comply within 15 business days will result in : Filing additional formal complaints with the FTC and Maryland Attorney Generals Office.

Initiating civil litigation for actual, statutory, and punitive damages. 

Reporting systemic violations publicly for consumer protection. 

You have been given sufficient time and notice. You have willfully violated my rights. You are now formally put on notice of imminent legal consequences should this matter not be fully corrected immediately.

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