Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
I am writing to formally request your intervention regarding Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) in properly investigating and resolving inaccuracies on my credit report. This pertains to the following account : Account Name : XXXXAccount Number : XXXX Background and Issue I disputed this account with Experian due to multiple inaccuracies and concerns about the integrity of the reported data. Despite my dispute, Experian has failed to conduct a proper investigation as required by FCRA laws. They continue to report inaccurate information on my credit report, adversely affecting my credit profile. Furthermore, Experian has been involved in a lawsuit filed by the CFPB, alleging systemic failures in their dispute investigation process. I believe my case exemplifies this failure. 

Inaccuracies Identified on My Credit Report The inaccuracies and concerns with this account include : Failure to Verify the Method of Verification : When I requested the method of verification for this account, Experian was unable to provide any evidence or documentation demonstrating how the accounts information was verified. This violates FCRA 611 ( a ) ( 7 ), which requires credit reporting agencies to disclose the method of verification upon request.

Discrepancies in Account Reporting : Credit Limit : Experian failed to report the credit limit ( {$620.00} ), which is essential for determining accurate credit utilization. 

Date of Last Activity : Experian lists the date as XX/XX/year>, conflicting with other bureaus ' reports, indicating data inconsistencies. 

Account Status : Experian continues to report the account as " Paid, '' but discrepancies exist regarding the accuracy and timeliness of updates, violating FCRA 623 ( a ).

Data Breach Impact : My personal information was leaked in a recent data breach, and Experians handling of my account raises serious concerns about the integrity and accuracy of the information being reported. Their failure to properly verify the account exacerbates this issue.

Experians Legal Issues Highlight Their Noncompliance The CFPBs lawsuit against Experian highlights a pattern of improper investigations and failures to comply with FCRA obligations. This includes : Failing to conduct thorough investigations of consumer disputes. 

Failing to notify consumers about the results of investigations accurately. 

Continuing to report unverifiable or inaccurate information. 

Given these allegations and my personal experience, it is evident that Experians dispute process is flawed, and they are not acting in good faith to ensure the accuracy of consumer credit reports.

Requested Resolution In light of these issues and Experians legal history, I request the following : The immediate removal of the SELFINC/LEAD account late payments from my Experian credit report permanently, as the information is unverifiable and inaccurate.

Confirmation that all inaccurate data has been corrected and that the account has been deleted.

An assurance that Experian will comply with FCRA requirements moving forward.

Supporting Documentation To assist with your review, I have attached : A highlighted copy of my Experian credit report showing the disputed account.

Proof of my identity and address.

Documentation of my prior dispute correspondence with Experian.

Closing Statement Under FCRA 611 ( a ), Experian is required to conduct a proper investigation and correct or delete inaccurate information within 30 days of a dispute. Their failure to comply, as demonstrated in my case, reflects systemic issues already highlighted by the CFPBs lawsuit. I urge the CFPB to take immediate action to address this matter and hold Experian accountable for their violations of federal law. 

Thank you for your attention to this urgent matter. I look forward to your response confirming the resolution of this issue.

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