Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Here is the updated complaint with the inclusion of the CFPB lawsuit against Experian : Complaint Regarding Experians Violation of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint regarding Experians handling of my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). I previously filed a dispute requesting verification of negative items on my report. Experian initially removed these disputed items but later re-added them without providing proper verification. This action is misleading, non-compliant with FCRA guidelines, and detrimental to my credit profile. 

This issue reflects a larger pattern of systemic non-compliance by Experian, as evidenced by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian. The CFPB alleges that Experian failed to remove inaccurate information from credit reports despite being obligated to do so under the FCRA. This demonstrates ongoing negligence in ensuring accurate and fair credit reporting. For more details on the lawsuit, you may refer to this source : CFPB Sues Experian Over Failure to Remove Errors on Credit Reports. 

Below are the specific items I am disputing that Experian continues to report inaccurately : XXXX. OneMain Account Type : Unsecured Date Opened : XX/XX/XXXX Status : Account charged off, {$3300.00} written off, {$3100.00} past due as of XX/XX/XXXX Balance : {$3100.00} This account is scheduled to remain on record until XX/XX/XXXX. 
XXXX. Portfolio Recovery Associates Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$510.00} past due as of XX/XX/XXXX Balance : {$510.00} This account is scheduled to remain on record until XX/XX/XXXX. 
XXXX. XXXX XXXX Account Type : Cell Phone Date Opened : XX/XX/XXXX Status : Collection account, {$1200.00} past due as of XX/XX/XXXX Balance : {$1200.00} This account is scheduled to remain on record until XX/XX/XXXX. 

These accounts either contain inaccurate or unverifiable information that Experian has failed to substantiate. Under the FCRA, Experian must ensure that all information reported is accurate and complete. Failing to do so violates my rights as a consumer. 

I formally request that Experian : XXXX. Permanently remove these inaccurately reported items from my credit report. 
XXXX. Provide me with proper documentation proving the validity of these accounts if they choose to continue reporting them. 

If Experian fails to address and resolve this issue within XXXX  days, I will proceed with legal action under the FCRA. Please note that violations of the FCRA may result in statutory damages of {$1000.00} per violation, as well as actual damages, punitive damages, attorneys fees, and court costs. 

I expect immediate action on this matter. 

Sincerely, XXXX XXXX XXXX Let me know if you need further customization!

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