Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I filing a formal complaint against [ XXXX, Experian, and/or XXXX ] for failing to conduct a proper and reasonable investigation into my credit disputes, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite providing supporting documentation, the credit bureaus have erroneously verified inaccurate information as valid, violating my rights under federal law. I disputed the following inaccurate information on my credit report : Incorrect Account Balances Certain accounts reflect incorrect amounts that do not match my records. Wrong Date Opened Accounts show incorrect opening dates, impacting my credit history. Personal Information Errors My report contains inaccurate personal details that I requested to be corrected. Charged-Off Accounts Some accounts were improperly reported as charged off. Closed Accounts Accounts that I previously closed are still being reported as open, which affects my credit utilization. Each of the credit bureaus responded by stating that the disputed information was verified as accurate, but they failed to provide documentation proving their claim. Their response does not align with the requirements of the FCRA, which mandates a fair and reasonable reinvestigation process. 

Legal Violations 1. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation The credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Their failure to adequately verify the accuracy of the information and their blanket response that my disputes were valid violates this provision.

15 U.S.C. 1681e ( b ) Duty to Maintain Accurate Information The credit bureaus must ensure that all information in a consumers file is accurate. By continuing to report incorrect account balances, dates, and personal information after I provided supporting evidence, they have failed this obligation.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to Correct or Delete Inaccurate Information If a disputed item can not be properly verified, it must be removed or corrected. Since the credit bureaus have not provided proof supporting their verification, they are in violation of this requirement.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( If Related to Debt Collections ) 15 U.S.C. 1692e False or Misleading Representations If debt collectors furnished incorrect information to the credit bureaus or failed to verify disputed debts, this constitutes a violation of the FDCPA.

15 U.S.C. 1692g ( b ) Failure to Validate a Debt Debt collectors are required to verify the validity of a debt upon dispute. If they failed to provide proper validation and the credit bureaus continued reporting the disputed accounts, this is a violation of consumer protection laws.

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