Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Re : Complaint Regarding Inaccurate Credit Reporting and Legal Violations Dear Sir/Madam, I am writing to formally lodge a complaint against the major credit bureausXXXX, Experian, and XXXXfor their persistent failure to correct inaccuracies on my credit reports, despite multiple disputes and providing comprehensive supporting documentation. 



Summary of the Issue : I have identified several inaccuracies on my credit reports, including incorrectly reported late payments and unauthorized negative entries. Despite my diligent efforts to dispute these errors through XXXX XXXX and direct mail, some negative items remain unresolved, adversely affecting my credit scores across all three bureaus. 



Legal Violations : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : 1681a-2 : The inaccurate reporting of late payments should be excluded as they do not reflect my actual payment history.

1681b-2 : The credit bureaus have reported these items without a permissible purpose, violating my rights under the FCRA.

Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 & 6802 : The addition of negative items to my credit report was done without my explicit consent, breaching GLBAs privacy provisions. 

There was a failure to provide the required three disclosures to non-affiliated third parties, constituting unauthorized access to my personal financial information.

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : ( If applicable ) Address any violations related to debt collectors ' practices, such as harassment or failure to validate debts. 



Details of Disputes : Collections Accounts : XXXX XXXX XXXX ( {$1500.00} ) : Disputed with supporting payment receipts ; not fully resolved. 

XXXX XXXX XXXX ( {$410.00} ) : Disputed ; remains on report without justification. 

XXXX XXXX, XXXX ( {$960.00} ) : Disputed ; still inaccurately reported. 

Charge-Offs : XXXX XXXX ( {$730.00} ) : Disputed ; remains despite settlement offers. 

Late Payments : Three late payments are inaccurately reported, with no permissible purpose and lack of proper documentation. 



Actions Taken So Far : Disputed Inaccuracies : Submitted disputes through XXXX XXXX and via direct mail to XXXX, Experian, and XXXX using certified mail with return receipts. 

Supporting Documentation Provided : Included copies of dispute letters, payment receipts, bank statements, and payment confirmations. 

Partial Resolutions : Some negative items have been removed, but several inaccuracies remain unresolved. 



Requested Resolution : I respectfully request the CFPB to intervene and ensure that the credit bureaus : Immediately remove all inaccurately reported late payments and unauthorized negative items from my credit reports. 

Adhere strictly to the Fair Credit Reporting Act and Gramm-Leach-Bliley Act provisions regarding accurate and authorized reporting. 

Provide written confirmation of the corrections made to my credit reports. 



Supporting Documentation : Enclosed are copies of the following supporting documents : Certified Mail Receipts : Proof of dispatch and receipt of dispute letters. 

Dispute Letters Sent : Copies of letters sent to each credit bureau. 

Credit Bureau Responses : Any correspondence received from the credit bureaus indicating partial or no resolution. 

Evidence of Accurate Payments : Bank statements, payment confirmations, and receipts demonstrating timely payments. 



Conclusion : The continued presence of these inaccuracies not only violates my rights under federal law but also unjustly hinders my financial standing. I urge the CFPB to take swift action to rectify these issues and hold the credit bureaus accountable for their non-compliance. 

Thank you for your prompt attention to this matter. 

Information You Have Obtained : Full Credit Reports from Major Bureaus : Experian, XXXX, and XXXX reports with details on open accounts, closed accounts, collections, and payment histories. 
FICO Scores from each bureau : Experian ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). 
Detailed Account Summaries : Open Accounts : Information on current credit card usage ( e.g., XXXX XXXX XXXX XXXX account with a {$1800.00} balance and {$3000.00} credit limit ). 
Closed Accounts : Historical data on accounts that have been closed but show payment history, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
Collections : Details on specific accounts in collections, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX. 
Payment History Records : Detailed records of on-time payments, missed payments, charge-offs, and other derogatory indicators. 
Debt Overview : Total debt, including credit card balances and collections ( {$4800.00} combined total debt ). 
Information on credit utilization ratio ( 63 % usage ). 
Supporting Documentation for Disputes : Copies of dispute letters sent to each credit bureau. 
Certified mail receipts showing that these dispute letters were sent and received by the bureaus. 
Bank statements, payment confirmations, and any evidence of payments made to support disputes. 
Previous Actions Taken : Disputed negative items through XXXX XXXX and directly via mail to the three major credit bureaus. 
Monitored the responses and outcomes from each bureau, resulting in some items being removed while others remained. 
Requests You Have Made or May Need to Make : CFPB Complaint : A request for intervention to address unresolved disputes and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ). 
Verification of Negative Items : Detailed requests for method-of-verification letters from the credit bureaus to understand how they verified disputed information. 
Removal of Unauthorized or Inaccurate Reporting : Requests for the immediate removal of late payments, collections, and other derogatory items that were reported inaccurately or without permissible purpose. 
Evidence of Permissible Purpose : Requests for proof that credit bureaus and creditors had the legal right to access and report on your credit information, in accordance with FCRA 1681b.

Investigation and Compliance Documentation : Requests to credit bureaus to provide details on how they complied with FCRA 1681i, which requires a thorough investigation of disputed items within 30 days.

Use of Consumer Protection Laws : Leveraging consumer protection laws such as : FCRA 1681a-2 for exclusions related to inaccurate reporting.

GLBA 6801 & 6802 for privacy violations related to unauthorized sharing or adding of negative items to your report.

FCRA 1681b-2 for determining permissible purpose and whether identity theft laws may be applicable.

Third-Party Disclosure Accountability : Requests for proof that the appropriate disclosures were made before information was shared with non-affiliated third parties, per GLBA regulations. 


Sincerely, XXXX XXXX

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