Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
For nearly XXXX  months, Experian has repeatedly failed to adequately investigate and reinvestigate disputed information on my consumer credit report. In doing so, Experian is violating numerous laws as outlined below and in the attached legal complaint filed by the Consumer Financial Protection Bureau against Experian on XX/XX/XXXX of this year ( XXXX ). 
In XXXX, I filed numerous disputes and CFPB complaints against Experian. On XX/XX/XXXX I called Experian to dispute non-mailable addresses and multiple names listed on my report. On XX/XX/XXXX I called regarding XXXX, XXXX  XXXX XXXX, and XXXX XXXX unlawful reporting of transaction history and adverse information pursuant to 15 USC 1681c and 15 USC 1681a ( 2 ) ( A ) ( i ). I also submitted each of the following reports to the CFPB : XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ). The reports detailed numerous violations of the FCRA, 16 CFR 313.7, The Privacy Act of 1974, and 26 USC 108, and included the following attached documents : my Experian reports ; scans of my opt-out letters to creditors ; response letters from creditors ; my debt validation request from collection agencies ; collection agencies unsatisfactory response ( also attached here ). 
As echoed in the attached CFPB lawsuit, Experian repeatedly accepted the original furnishers response to the disputed information, even when I had provided Experian with both supporting documentation as well as the laws the furnisher had violatedlaws which the furnisher never addressed in their response. Experian continues to report charged off status for my accounts with XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX which violates both 15 USC 1681c and 26 USC 108. Experian is also still reporting late payments to XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX which violates 15 USC 1681c and 15 USC 1681a ( 2 ) ( A ) ( i ). Because I exercised my continuing right to opt out per 16 CFR 313.7 ( f ) with Bank XXXX XXXX, XXXX, and XXXX XXXX, and I provided my opt-out letters to Experian, their continued reporting on those accounts constitutes willful violation of the law. 
I have received XXXX mailed letters from Experian with my dispute results ( see attached ). They are all confusing, ambiguous, and incorrectit is impossible to tell how they determined the results of my dispute, what was updated, and they continue to display inaccurate and incomplete information. 
Furthermore, I have repeatedly asked Experian representatives over the phone to remove additional versions of my name and only maintain my full name as other versions are incomplete and could refer to someone other than myself. The Experian reps tell me that XXXX cant remove them because they are reported by furnishers, and even if I were to remove the multiple versions of my name on my report and maintain only one, as soon as a furnisher reports one of the deleted versions again they would be forced to reinsert it. This violates Experians legal requirement per 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) to ensure that all information in my report is both accurate AND complete and prevent reinsertion of information that does not meet those requirements. 
Experians ongoing refusal to reinvestigate hard inquiry disputes and to remove the XXXX inquiry from my report violates 15 U.S.C. 1681b and 15 U.S.C. 1681i ( a ) ( 2 ). I have also requested many times that all soft inquiries be removed as they, too, violate 15 U.S.C. 1681b and are a gross violation of The Privacy Act of 1974, but nothing has been done.

All of the aforementioned violations of the FCRA, The Privacy Act of 1974, 16 CFR 313, and 26 USC 108 further demonstrate unfair, deceptive, and abusive practices and therefore also violate the CFPAspecifically 12 U.S.C. 5531 ( c ), 5536 ( a ) ( 1 ) ( A ), 5536 ( a ) ( 1 ) ( B ).

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