Consumer complaint received 2024-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX Regarding the Experian/XXXX XXXX dispute, I want to address the ongoing issues with fraudulent XXXX  XXXX accounts on my credit report. Despite efforts with the FTC & the CFPB, only one account, XXXX XXXX # XXXX, was removed in XX/XX/XXXX. However, both accounts ( beginning with XXXX & XXXX ) were initially deleted by Experian in XXXX. XXXX, verified as fraudulent, then reappeared on XX/XX/XXXX. One was removed again, but the other remained. The current business account disputed shares the same fraudulent nature as the personal account and should be deleted as well. Lack of XXXX XXXX supporting Evidence includes : XXXX. Lack of ID or joint person info provided by XXXX XXXX. 
XXXX. No business license or email received. 
XXXX. Absence of associated business address or number. 
XXXX. No verification of the business name provided. 

Timeline of bias and unlawful credit information use by Experian : - XXXX XXXX- XX/XX/XXXX : Both accounts verified as not belonging to me and were deleted. 
- XX/XX/XXXX : Both accounts reappeared, with Experian siding with the creditor. 
- XXXX - XX/XX/XXXX : Personal account # XXXX was removed again, verified as not fraudulent. 
- XX/XX/XXXX : Experian biasedly stated the business account # XXXX remains. 

I've consistently denied both accounts, yet Experian adds them back, violating Federal Consumer Rights Laws. 

Previous FTC Report Number : XXXX FTC Report Number : XXXX Experian has a history of bias and was sued by the CFPB for deceptive credit score marketing, resulting in a {$3.00} XXXX penalty. Experian is in direct violation of FCRA by not providing proof of verification. 

Experian, has faced lawsuits related to violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), Fair Credit Billing Act ( FCBA ), and Fair Debt Collection Practices Act ( FDCPA ). Some notable cases in the past include : XXXX. XXXX v. Experian XXXX XXXX XXXX XXXX ( XXXX ) : Experian settled a class-action lawsuit alleging violations of the FCRA by providing inaccurate credit reports and failing to properly investigate disputes. 

XXXX. XXXX v. Experian ( XXXX ) : Experian faced a lawsuit over the accuracy of credit reports and the company 's handling of consumer disputes, alleging violations of the FCRA. 

XXXX. A {$6.00} XXXX settlement with credit reporting agencies implies addressing consumer protection laws. 

XXXX XXXX 's history of corrupt practices adds weight to this dispute. 
Here are examples of XXXX XXXX 's history of corrupt practices : XXXX. Case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Case # : XXXX Nayab v. XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX. in the XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. 

Attached : New FTC Report Number : XXXX Mailing includes ID, XXXX, mail verification, and statement letter. 

I urge Experian to remove the fraudulent XXXX XXXX accounts immediately to safeguard my creditworthiness and financial standing. 

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 non-monetary relief