Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX ] To : Experian [ XXXX XXXX XXXX, XXXX XXXX TX XXXX ] Subject : Formal Demand for Compliance Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Experian Compliance Department , This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding your negligent, mishandling, and mismanagement of my credit file. The specific incidents detailed below outline clear violations of federal statutes and regulations governing credit reporting accuracy and your failure to meet your obligations to protect consumers from abusive and inaccurate reporting practices. 

Incident 1 : Negligence in Handling Trade Line from XXXX XXXX A trade line associated with XXXX XXXX was abusively and falsely reported as a charge-off/collection account with an original balance of {$300.00} and a past-due balance of {$470.00}. Despite several disputes submitted to Experian, you denied my challenges without conducting a thorough and reasonable investigation, as required under 15 U.S.C. 1681i of the FCRA. It was only after I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) that this inaccurate trade line was removed from my credit file. 

Your failure to address this issue in a timely and accurate manner caused undue harm to my creditworthiness and violated your obligation under the FCRA to ensure maximum possible accuracy in credit reporting ( 15 U.S.C. 1681e ( b ) ).

Incident 2 : Mishandling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX abusively and falsely reported a collection account purportedly associated with XXXX. Despite my repeated disputes, your investigations failed to address the inaccuracies of the reported debt. This company even provided a fraudulent verification document with fabricated account numbers and dates, yet Experian accepted this document without sufficient scrutiny. 

Once again, it took intervention from the CFPB for this fraudulent trade line to be removed, highlighting your failure to reasonably investigate disputes and protect consumers from abusive debt collection practices, as required under the FDCPA ( 15 U.S.C. 1692 ) and FCRA ( 15 U.S.C. 1681i ).

Incident 3 : Mishandling of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was allowed to report on my credit file for over 80 months despite the account being closed and charged off at {$180.00}, with a cap of {$240.00}. Rather than reflecting accurate information, the trade line was negligently allowed to accumulate month-to-month balances of {$1.00} {$3.00} until its removal, once again, only after CFPB intervention. At the time of removal, the past-due balance fluctuated between {$290.00} and {$290.00}. 

Throughout this period, I submitted multiple disputes and demands for verification and investigation to Experian, all of which went ignored or were summarily denied without proper investigation. Even after the CFPB determined that my complaints were valid, Experian provided vague and nonresponsive answers that failed to address any of my valid points, questions, or demands for resolution. 

Your negligence in handling this matter caused tremendous damage to my credit file over the years, negatively affecting my financial opportunities and creditworthiness. This extended period of mismanagement further constitutes a clear violation of your obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in reporting and 15 U.S.C. 1681i to conduct reasonable investigations. 

Demands for Remediation and Compliance Given the documented failures outlined above, I formally demand the following actions : 1. Immediate Review and Audit : Conduct a full audit of my credit file to identify and address any additional inaccuracies, errors, or violations that may have occurred.

2. Written Confirmation of Compliance : Provide written confirmation of all actions taken to remedy the above issues, including proof that the trade lines from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have been permanently removed from my credit file. 
3. Implementation of Corrective Measures : Take steps to ensure your compliance with the FCRA and FDCPA moving forward by improving your investigation and verification processes to prevent similar issues in the future.

4. Compensation for Damages : Provide compensation for the harm caused to my credit standing, as well as the time, effort, and resources I expended over years of disputes due to your negligence and mismanagement of my credit file. 

Failure to comply with these demands will leave me no choice but to pursue further legal remedies available under the FCRA and FDCPA. These remedies may include civil penalties, statutory damages, and attorney fees, as provided under 15 U.S.C. 1681n and 15 U.S.C. 1692k.

Please respond in writing within 30 days of the receipt of this letter to confirm your compliance and detail the actions taken to resolve this matter. 

Sincerely, [ XXXX XXXX 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