Consumer complaint received 2025-01-27 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Experians Negligent Non-Compliance with 15 U.S.C. 1681o of the Fair Credit Reporting Act To Whom XXXX XXXX XXXXern, I am submitting a formal complaint against Experian for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. Experian has failed to properly investigate and correct inaccurate information on my credit report, despite the submission of documentation supporting my dispute. 

The dispute in question pertains to an account with XXXX XXXX XXXX, which claims I owe {$7700.00} for alleged damages, fees, and other charges. These claims are entirely inaccurate for the following reasons : 1. I paid my rent in full through the end of the lease term, which ended in XX/XX/XXXX. 

2. On XX/XX/XXXX, I informed the property manager of my intention to renew my lease. However, on XX/XX/XXXX, the property manager informed me that I could not renew the lease. I fulfilled my lease obligations through XX/XX/XXXX and vacated the property. 

3. The alleged damages, such as carpet replacement, wall damage, and cleaning fees, are either pre-existing issues or false claims. There were no damages upon my departure. 

4. All keys were returned at the end of my lease term, and I have provided proof of this in my dispute with Experian. 

5. The property manager at XXXX XXXX XXXX claimed that I could not create a new lease because my former co-tenant, XXXX XXXX, had to acknowledge being removed from the old lease. This requirement was irrelevant, as the old lease had already ended, and I had fulfilled all terms. 

Experian failed to conduct a reasonable reinvestigation of my dispute, as required under 15 U.S.C. 1681i. Their negligence in reporting inaccurate debt violates the FCRA and has caused significant harm. 

Impact of Negligence : Experians negligence has caused significant harm, including : Damage to my credit report and score. 
Emotional distress and financial hardship from dealing with this inaccurate report. 
Difficulty obtaining financial services due to the erroneous debt reported on my profile. 

Requested Action : I request that the CFPB : 1. Investigate Experians failure to comply with its obligations under the FCRA.

2. Require Experian to remove this inaccurate account from my credit report.

3. Hold Experian accountable for its negligence under 15 U.S.C. 1681o. 

I have enclosed copies of all supporting documents, including correspondence with Experian, proof of payment, and evidence of my fulfilled obligations under the lease. 

Sincerely, XXXX XXXX XXXX : Correspondence with Experian Supporting documentation ( e.g., receipts, proof of payment, move-out records ) Credit report showing disputed 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