Consumer complaint received 2025-01-11 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: TN

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and must be resolved immediately. Your repeated failure to investigate disputes properly, along with the addition of previously removed accounts, further demonstrates noncompliance with federal law. 

Experians Legal Obligations Under the FCRA Under the FCRA ( 15 U.S.C. 1681 ), XXXX is legally required to : 1. Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : You must maintain accurate and up-to-date credit file information. Re-adding previously removed accounts without justification violates this requirement. 
2. Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : When a consumer disputes information, you are obligated to conduct a thorough and reasonable investigation within 30 days. Your failure to resolve my disputes properly, including ignoring supporting documentation, demonstrates a lack of compliance with this obligation. 
3. Provide Verification of Disputed Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If you can not verify the accuracy of an account, it must be removed from the credit file. 

XXXX History of Negligence As you are aware, XXXX has faced numerous lawsuits for failing to uphold these obligations, including a recent class-action lawsuit alleging systemic violations of the FCRA. This pattern of neglect harms consumers, including myself, by allowing inaccurate information to remain on credit reports without due process or resolution. 

Specific Disputes 1. Accounts Re-Added Without Proper Investigation Accounts that were previously removed from my credit report have been re-added without justification or proper notification. This is a direct violation of 15 U.S.C. 1681e ( b ), as XXXX is required to ensure the accuracy of all information reported. I demand these accounts be removed permanently. 
2. Closed XXXX XXXX Account This closed account continues to report inaccurately on my credit file. Please provide documentation verifying its legitimacy and justification for its presence. If you can not verify this account, it must be removed immediately under 15 U.S.C. 1681i ( a ) ( 5 ). 
3. Charged-Off Loan Account This loan account, marked as a charge-off, has been fully paid. Reporting it as a charge-off is both inaccurate and misleading, violating 15 U.S.C. 1681e ( b ). I demand that this account be updated to reflect its paid status or removed entirely. 
4. XXXX XXXX XXXX ( {$420.00} ) This collection account is not mine, and I did not authorize it. It has already been sold off, and the debt has been paid. XXXXXXXX XXXX has confirmed in writing that this account should be removed. XXXX refusal to remove this account violates 15 U.S.C. 1681i ( a ) ( 5 ). 

Remedies and Actions Required Conduct a Thorough Investigation : Review all the disputed accounts and provide me with verifiable evidence supporting their continued reporting. 
Immediate Removal of Inaccurate Information : If you can not substantiate the accuracy of the disputed items, remove them from my credit report without delay. 
Compliance with FCRA : Ensure compliance with all legal obligations under the FCRA and take corrective measures to prevent similar issues in the future. 

Failure to address these disputes appropriately may result in further action. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and by seeking legal counsel to ensure my rights are protected. 

Supporting Documentation I have attached supporting documentation for your reference, including correspondence with XXXXXXXX XXXX  and proof of payment for the loan account. Please use this information to assist in your investigation. 

Conclusion Experians negligence in ensuring accurate reporting and conducting proper investigations has caused me undue harm. I urge you to resolve these disputes promptly and provide written confirmation of your actions within 30 days, as required under the FCRA. 

Thank you for your immediate attention to this matter.

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