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 letter, dated XX/XX/year>, ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). Despite my clear and legally backed requests under the Fair Credit Reporting Act ( FCRA ), Experian has failed to provide the necessary documentation, verification, and comprehensive validation of multiple disputed items on my credit report. This negligence and failure to comply with FCRA requirements has caused me distress and continues to affect my credit standing. 

Violations of the FCRA : Failure to Provide Complete Account Histories and Documentation ( FCRA Section 609 ( a ) ) : I explicitly requested complete account histories, payment records, detailed transaction records, and original signed contracts for each disputed item. Under FCRA Section 609 ( a ), I am entitled to obtain this information, yet Experian has failed to provide these documents, which are essential for verifying the accuracy of the disputed items.

Failure to Conduct Direct Verification with Original Creditors ( FCRA Section 611 ( a ) ) : I demanded that Experian verify the disputed items directly with the original creditors, not through automated systems or third-party databases such as XXXX. Under FCRA Section 611 ( a ), Experian is required to conduct a reasonable reinvestigation by directly contacting the source of the information. 

My specific requests included : The name and contact information of the original source contacted for each disputed item. 
The specific information provided by the original source to verify the accuracy of the disputed item. 
The date and method of contact with the original source. 
Confirmation that no third-party data aggregators or resellers were relied upon in the reinvestigation process. 
Experian has failed to provide this documentation, which violates FCRAs mandate for direct verification and proper reinvestigation. 

Failure to Remove Unauthorized Hard Inquiries ( FCRA Section 611 ( a ) ) : In my dispute, I identified several unauthorized hard inquiries that should have been deleted from my credit report. Despite this, Experian did not remove these inquiries, nor did they provide any documentation to verify their legitimacy, violating FCRA Section 611 ( a ).

Failure to Provide Detailed Transaction Histories and Billing Statements ( FCRA Section 609 ( a ) ) : I requested detailed transaction histories and billing statements for each account in dispute, which are critical to validating the accuracy of the information. Experian failed to provide these, further violating FCRA Section 609 ( a ). 

Failure to Comply with Certified Mail Request : I specifically requested that all responses be sent via certified mail with return receipt requested, yet Experian responded electronically. Although the FCRA does not mandate certified mail, Experians refusal to comply with my request is further evidence of their negligence and failure to provide transparent communication. 

Negligence and Dismissive Behavior : Experians refusal to comply with my lawful requests and their dismissive attitude toward this matter has caused significant emotional distress. Their negligence in handling my dispute, failure to provide the required documentation, and refusal to conduct a proper reinvestigation have directly impacted my credit standing. 

Requested Resolution : Given Experians failure to comply with the FCRA within the legally mandated XXXX-day period, I am now requesting that all disputed items be deleted from my credit report. I am no longer requesting a reinvestigation, as Experian has demonstrated willful non-compliance and negligence in addressing my dispute. 

I request the following : Immediate deletion of all inaccuracies from my credit report due to Experians failure to verify these items within the XXXX-day timeframe required under FCRA Section 611 ( a ) ( 5 ). 
Written confirmation that all requested items have been removed, sent via certified mail with return receipt requested, as per my original demand.

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