Consumer complaint received 2024-03-06 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: DE

Complaint narrative:
Prior Complaint CFPB # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reason for complaint : XXXX. XXXX XXXX XXXX XXXX XXXX performed by the credit bureau ( Experian ) Using personal Information 2. Failure to comply With FCRA Regulations. 

3. Failure to enter Notice of Dispute Pursuant to FCRA 623 ( a ) ( 3 ) 4. Violation Of 15 U.S.C 1681c Requirements relating to information contained in consumer reports. 

5. 15 U.S. Code 1681n - Civil liability for willful Noncompliance I have disputed with the collector ( XXXX XXXX XXXX ), not only did they not respond to me but they Did Not Validate this debt of {$12000.00}. You, Experian, are reporting the debt but where is the documentation that proves you, Experian, are able to report the debt.? You Experian, have done nothing to validate this debt. False Reporting & automatic investigation performed by the credit bureau ( Experian ) using personal Information and Failure to comply With FCRA Regulations. Experian has in their last response to my most recent complaint with the CFPB involving this case of identity theft, Prior Complaint CFPB # XXXX. You stated, '' that we ( Experian ) contacted the data furnisher ( XXXX ) and asked them to verify the accuracy of the information with which you disagree. The company that reported the information has certified to Experian that the information is accurate. '' End statement.. 
This above statement is not only false but very misleading. Experian is not naming the account number or the account name in Question, which is XXXX XXXX XXXX. The Response was Generated by a computer and not a human. Experian has not investigated this XXXX XXXX XXXX account, Even though they stated that they did an investigation but failed to Update the date last reported. Experian has sent me a Credit report XX/XX/XXXX Report number # XXXX. I observed that The XXXX XXXX XXXX Was Reporting late payments, starting XX/XX/XXXX all the way to XX/XX/XXXX. 15 usc 1681 Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions.. The Credit report number confirms that Experian Has violated my consumer Rights once again Under 15 USC 1681a ( 2 ) ( 1 ) under exclusions. and I Would like to be compensated for this direct violation of my rights. I also noticed in the comment section, of my experian credit report. The XXXX XXXX XXXX XXXX account number XXXX .... DId Not enter the ( Notice Of Dispute ) In the comment Section of my credit report. Which is actually required Under FCRA 623 ( a ) ( 3 ). This is clearly a volition of my Consumer rights Under FCRA 623 ( a ) ( 3 ). You have failed to enter the Notice of Dispute for this Unverified XXXX XXXX XXXX XXXX. I have Sent you a letter in XXXX and also did a CFPB complaint for this false debt Recent CFPB complaint number is # XXXX. This will confirm my communication to you and that you did not enter the notice of dispute by the XXXX day it was required, Prior to your violation of the FCRA 623 ( a ) ( 3 ). I have attached this evidence to this here complaint today. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC. I have attached my FTC complaint for the Identity theft that has taken place with this XXXX XXXX XXXX account below. Experian has violated 15 U.S.C 1681c which also states a consumer reporting agency can not furnish a account without my written instructions.. These multiple violations of my rights has caused me tremendous mental anguish, as A result to experians wilful failure to comply with FCRA standards. I have been Charged higher lending rates for a mortgages. A notice of intent to sue has been sent to Experian

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 non-monetary relief