Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I am submitting this complaint due to the credit reporting agency failing to comply on the following accounts that they claimed were verified and updated. 

1. XXXX XXXX XXXX XXXX Verified as Reported 2. XXXXXXXX XXXX Verified as Reported 3. XXXX XXXXXXXX XXXX XXXX Verified as Reported 4. XXXX XXXX XXXX Verified as Reported 5. XXXX XXXX - Verified as Reported 6. XXXX XXXXXXXX XXXX XXXX Verified as Reported Credit Inquiries 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5XXXX  XXXX 1. Failure to Conduct a Reasonable Reinvestigation Violation : The credit reporting agency failed to perform a thorough and reasonable reinvestigation of the disputed accounts, as merely stating " verified as reported '' without providing substantive proof does not satisfy the FCRA 's requirements.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) " If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' 2. Failure to Provide Method of Verification Violation 2 : The agency failed to disclose how the verification was conducted, including the name and contact information of the party who verified the disputed information. This is required if the consumer requests it after a reinvestigation.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) " If requested by the consumer, the consumer reporting agency shall provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information. '' 3. Failure to Provide Documentation Used in Verification Violation 3 : The credit bureau did not provide copies of the original documents used to verify the disputed accounts. Consumers have the right to access the information in their file.

15 U.S.C. 1681g ( a ) ( 1 ) " Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumers file at the time of the request. '' 4. Reporting Inaccurate or Unverifiable Information Violation 4 : By continuing to report information that can not be properly verified, the credit bureau is violating the FCRAs requirement to ensure maximum accuracy in credit reports.

15 U.S.C. 1681e ( b ) " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 5. Potential Civil Liability for Non-Compliance If the credit reporting agency willfully or negligently fails to comply with the above FCRA provisions, they may be liable for damages.

15 U.S.C. 1681n " Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages, or damages of not less than {$100.00} and not more than {$1000.00}, or punitive damages as the court may allow. '' 15 U.S.C. 1681o " Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for any actual damages sustained. '' Due to the credit reporting agencys willful and negligent violations of the FCRA, I have suffered harm, including damage to my credit standing and emotional distress. I intend to seek compensation as provided under the following provisions : 15 U.S.C. 1681n Willful Non-Compliance : I intend to pursue statutory damages ranging from {$100.00} to {$1000.00} per violation, along with punitive damages.

15 U.S.C. 1681o Negligent Non-Compliance : I will seek actual damages for negligent failure to comply with the FCRA, including reimbursement for any financial losses incurred.

If these violations are not rectified promptly, I will pursue legal action to recover damages, including attorneys fees and court costs.

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