Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to the failure to ensure maximum possible accuracy of consumer reports, failure to correct disputed information, and failure to conduct a reasonable reinvestigation in response to my disputes. 

1. Summary of Issues : Experian has continuously reported inaccurate and incomplete information on my credit reports, despite my numerous disputes and pre-arbitration demand letters. The errors have caused substantial harm, including the denial of credit applications, financial loss, and reputational damage. 

2. Inaccurate and Incomplete Reporting : Experian has reported several inaccuracies on my credit report, particularly concerning my XXXX XXXX  accounts. These include, but are not limited to : - Incorrect payment history and delinquency status My credit report reflects conflicting payment histories, past-due amounts, and charge-off statuses that are inconsistent and misleading. 

- Failure to provide original creditor information The Original Creditor name is missing in the Account Info section, rendering the report incomplete.

- Contradictory reporting dates The " Status Updated '' and " Balance Updated '' fields contain conflicting dates, which is materially misleading. 

- Failure to update account closure and charge-off status accurately Charged-off accounts continue to be reported as past due, which is incorrect.

- Missing account details Monthly payment history, terms of the agreement, and payment history for certain years are omitted, making the information incomplete and misleading. 

3. Failure to Reinvestigate Disputed Information : Despite multiple disputes submitted to Experian and resubmitting multiple documents to prove my identity per their request, the agency has failed to correct these errors. I have provided substantial evidence, including : - Pre-arbitration demand letters ( dated XX/XX/XXXX ) outlining the inaccuracies and violations. 

- My credit reports from XX/XX/XXXX and XX/XX/XXXX demonstrating continued reporting errors. 

- Adverse action letters as proof of credit denials due to these errors. 

Experians failure to conduct a reasonable reinvestigation and its continued inaccurate reporting violate : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.
- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

- 15 U.S.C. 1681s-2 ( b ) Furnishers failure to investigate and correct reported errors.

- 15 U.S.C. 1681c ( a ) ( 5 ) Reporting obsolete information beyond the permissible time frame. 

4. Experians Pattern of Non-Compliance ( As Identified in CFPB Complaints ) : Experian has a documented history of similar violations, as demonstrated in previous complaints filed with the CFPB. Patterns of non-compliance identified in the CFPB complaint against Experian include : - Failure to properly investigate consumer disputes- Failure to correct or delete inaccurate information - Continued reporting of inaccurate negative items despite repeated consumer disputes These recurring violations demonstrate a systemic issue within Experians reporting and reinvestigation processes. The CFPB must take action to ensure compliance with federal law and prevent further harm to consumers.

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