Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint regarding Experian 's failure to comply with my credit report dispute, dated XX/XX/year> ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). Despite my clear and specific demands under the Fair Credit Reporting Act ( FCRA ), Experian has failed to correct or remove inaccurate personal information, including incorrect names and addresses. Additionally, Experian has failed to comply with my request for full documentation, manual verification, and direct communication with original furnishers. 

Documentation Provided to Experian : As part of my original dispute, I included : A signed and notarized affidavit of address verifying my correct current address as XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
A copy of my government-issued ID and Social Security card , both reflecting my correct address.

Despite this, Experian has failed to remove the incorrect addresses or provide any verification of the disputed information.

Violations of the FCRA : Failure to Ensure Maximum Possible Accuracy ( FCRA Section 607 ( b ) ) : Experian has failed to remove incorrect names and addresses from my credit report, including variations of addresses at XXXX XXXX XXXX XXXX XXXX, and others. This failure violates FCRA Section 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information reported.

Failure to Provide Full Documentation ( FCRA Sections 609 ( a ) and 611 ( a ) ) : I requested full documentation showing how each item was verified, including original signed contracts, proof of identity, and transaction histories. Experian did not provide these documents, violating FCRA Sections 609 ( a ) and 611 ( a ).

Failure to Conduct a Manual Reinvestigation ( FCRA Section 611 ( a ) ) : I explicitly requested a manual reinvestigation without
reliance on automated systems like e-OSCAR. Experian failed to comply with this demand, violating FCRA Section 611 ( a ).

Failure to Notify Furnishers of Disputed Information ( FCRA Section 611 ( a ) ( 2 ) ) : Experian did not provide proof that it notified the furnishers of the disputed information within five business days, as required under FCRA Section 611 ( a ) ( 2 ).

Failure to Provide Investigation Process Documentation : I requested a time-stamped process of the investigation, including names and employee IDs of those involved. Experian did not provide this information, which is required under FCRA Section 611 ( a ).

Requested Resolution : I request that the CFPB require Experian to : Delete all inaccurate personal information from my credit report, including incorrect names and addresses.

Provide full documentation of how each item was verified.

Ensure all future communication is conducted via certified mail with return receipt requested.

Compensate me for non-compliance, as allowed under FCRA Sections 616 and 617, at a rate of {$1000.00} per violation for willful or negligent non-compliance.

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