Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against the major credit bureaus for their repeated failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), as well as other applicable consumer protection laws, in response to my ongoing credit disputes. 

Since XX/XX/2024, I have sent several disputes concerning inaccurate and incomplete information on my credit reports, including letters providing supporting documentation and specific details about the errors. Despite my efforts, the credit bureaus have failed to provide adequate responses, conduct a reasonable investigation, or provide the results of their investigations within the 30-day timeframe mandated under FCRA Section 611 ( 1681i ).

Additionally, they have not provided me with the procedure they used for their investigations, a violation of 1681i ( a ) ( 7 ). To date, it has been over 9 months, and the accounts below continue to report multiple inaccuracies, including : Invalid dates and inconsistent payment histories after the accounts were allegedly charged-off or placed in collection status.

Questionable balances and incomplete information despite my repeated requests for validation.

These inaccuracies not only violate the FCRA, but they also raise questions about whether the credit bureaus have fulfilled their duty to ensure the accuracy and integrity of the information they report, as required under 1681e ( b ).

Moreover, I have contacted each creditor or collection agency individually to validate and verify the debts under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and related provisions, such as 12 CFR 1006.34 ( Regulation F ). Each of these entities has either failed to respond or claimed they can not locate information tied to my name and the personal information provided. 

Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Charge-off Each of these accounts contains errors that remain unresolved despite my numerous disputes. By failing to address these issues, the credit bureaus have caused significant harm to my creditworthiness, financial health, and peace of mind.

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