Consumer complaint received 2025-06-14 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: PR

Complaint narrative:
On XX/XX/XXXXXXXX  I received a response from your company EXPERIAN regarding information verified on my Consumer Report. Your company EXPERIAN intentionally has not addressed the violations listed in my disputes regarding the laws sited in my letters of disputes such as : 15 US CODE 1666b ( a ) Timing of payments ( A ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 US CODE 1681a ( 2 ) ( A ) Definitions ; rules of construction Section 2 - Exclusions subsection A subsection in - reports containing information solely as to transactions or experiences between the consumer and the person making the report. Your company EXPERIAN continues to abuse and violate my rights and improperly address my disputes by failing to use proper procedure according to the CFPB. Below is a copy of the statement by the CFPB findings of continued abuse to consumers like me. 

The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.

I have continuously sent dispute letters to your company EXPERIAN requesting you to follow the law and to not abuse my rights as a consumer. However, your company wilfully and intently continue to abuse my rights as a consumer. This is a violation of 15 US CODE 1681i Procedure In Case of disputed accuracy and 15 US CODE 1681e-Compliance Procedures. 15 US CODE 1681n Civil Liability for Non Compliance by continuing to deny the law as it applies to consumer rights. Your company EXPERIAN is in complete violation of all compliance procedures as it fails to follow proper procedure according to 15 US CODE 1681e - Compliance procedures I will use and exercise my right to pursue and collect damages up to {$1000.00} from your company EXPERIAN for its wilful non-compliance according to 15 US CODE 1681n Civil Liability for Willful Noncompliance. Therefore, legal documents with an affidavit pursuing damages will be sent to your company EXPERIAN immediately and forwarded to the CFPB and FTC.

Here are the accounts by name and account number XXXX XXXX XXXXXXXX, 30 DAYS PAST DUE ; XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 30 days past due date two times I am demanding the EXCLUSIONS listed above are removed from any and every Line Item listing the account as late or past due of these accounts be removed immediately from my EXPERIAN Consumer Report. The laws fully supporting my demands are listed below as follows : 15 U.S. CODE 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection in - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

15 U.S. CODE 1681e - Compliance procedures 15 U.S. CODE 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me.

Send an updated copy once the item disputed has been removed. I appreciate your immediate response and attention to this matter and corrected service of my Consumer Report.

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