Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
-- - XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX for XXXX, Privacy Violations, and FCRA Violations To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX for XXXX violations of the Fair Credit Reporting Act ( FCRA ), including negligence under Section 1681o, its failure to conduct thorough investigations as required under Section 611, and its unauthorized collection and reporting of personal identifying information ( PII ) in violation of my privacy rights. 

Despite multiple attempts to address these issues with XXXX, the company has failed to fulfill its obligations under the FCRA. This negligence has caused significant financial harm, reputational damage, and unwarranted privacy intrusions. 

Summary of Issues The following are specific concerns that XXXX has failed to address adequately : XXXX. XXXX XXXX XXXX - Account XXXX : ( not included due to above requirements ) - XXXX reported : {$4100.00}. 
- Issue : This account is listed as open, yet XXXX XXXX has failed to provide proper verification of the debt despite repeated requests. I have no agreement with this alleged creditor, and the original creditor agreement prohibits assignment of this account to third parties, including for collection purposes. 
- Litigation : This account is the subject of ongoing litigation ( Case # XXXX ), and it is inappropriate for XXXX to report it until the matter is resolved. 
- Demand : XXXX must delete this account from my credit report immediately. 

XXXX. Absolute Resolutions - Account Numbers : ( not included due to above requirements ) - Balances reported : {$14000.00} and {$5500.00}. 
- Issue : These accounts are listed as open collection accounts, yet Absolute Resolutions has failed to verify the validity of the debts or provide documentation from the original creditors. Additionally, the original creditor agreement prohibits assignment of these accounts to third parties. 
-Demand : Both accounts must be deleted from my credit report due to lack of verification and invalid assignment. 

XXXX. Late Payment History Errors I dispute all late payments reported on my credit report as they are inaccurate or unverifiable : - XXXX XXXXXXXX XXXX XXXXXXXX. ( Account Number : [ Insert BMO Account Number ] ) : ** Incorrectly reported as XXXX Days Late with a last payment date of XX/XX/XXXX. Payments have been consistently made on time. Original Account Holder : XXXX XXXX XXXX XXXX, I never authorized transfer or account or assignments to XXXX XXXX, nor authorized them to report to my credit. No contract or agreement exists. 
- XXXXXXXX XXXX XXXX XXXX ( Account Number : [ Insert XXXX Card Account Number ] ) : ** Incorrectly listed as XXXX Days Late. 
- XXXXXXXX XXXX ( Account Number : [ Insert XXXX Account XXXX ] ) : ** Multiple late payments ( XXXX instances ) are inaccurately reported. 
- Demand : All inaccurate or unverifiable late payment notations must be deleted from my credit report immediately. 

XXXX. Unauthorized Reporting of Personal Identifying Information ( PII ) XXXX continues to report sensitive personal identifying information, including : - Former employers. 
- Previous addresses. 
- Personal phone numbers. 
The continued publication of this data without explicit authorization constitutes a violation of my privacy rights under the FCRA. 
- Demand : XXXX must immediately remove all former employers, previous addresses, and personal contact information from my credit report. 

Legal Basis for Complaint Equifaxs failures violate the following FCRA requirements : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681b : Reporting personal identifying information without permissible purpose violates consumer privacy.

3. 15 U.S.C. 1681i ( a ) : XXXX is obligated to conduct a reasonable reinvestigation when a dispute is filed, which they have failed to do in this case. 
4. Spokeo , Inc. v. Robins, 578 U.S. 330 ( 2016 ) : A credit reporting agencys failure to comply with the FCRA can cause concrete harm, entitling the consumer to relief.

History of Attempts to Resolve I have made multiple attempts to resolve these issues directly with XXXX, but they have failed to conduct reasonable investigations or provide any substantive resolutions. This pattern of negligence and non-compliance demonstrates their disregard for FCRA requirements and consumer privacy. 

Supporting Documentation Enclosed with this letter are the following documents to support my complaint : - A copy of my credit report highlighting the disputed entries. 
- Documentation indicating the lack of authorization for assignment or transfer of these accounts. 
- A register of actions for Case # XXXX related to XXXXXXXX XXXX 

Requested Actions I request the Consumer Financial Protection Bureau to : XXXX. Investigate XXXX handling of these disputes and their failure to comply with FCRA requirements. 
XXXX. Require XXXX to : - Delete the XXXX XXXX account from my credit report pending resolution of litigation. 
- Delete both XXXX Resolutions accounts from my credit report due to lack of verification and invalid assignment. 
- Delete all inaccurate or unverifiable late payment notations from my credit report. 
- Remove all former employers, previous addresses, and personal contact information from my credit report. 
XXXX. Impose penalties on XXXX for their repeated negligence and failure to meet their obligations under the FCRA. 

Conclusion Equifaxs failure to ensure accurate reporting, conduct reasonable investigations, and protect my personal identifying information has caused significant harm. I trust that the Consumer Financial Protection Bureau will address this matter promptly and hold XXXX accountable for their violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX 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