Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( XXXX ) and their failure to conduct a reasonable reinvestigation of my disputes submitted through XXXX 

Despite my disputes, Experian has : Failed to correct inaccurate information Reinserted previously deleted information without proper notification Verified disputed accounts without providing supporting documentation Allowed unverified accounts to remain on my credit report This conduct is in direct violation of FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), FCRA Section XXXX ( XXXX XXXX. XXXX ), and FCRA Section XXXX ( XXXX XXXX. XXXX ). 

Issue XXXX : Portfolio Recovery Associates Collection for an Alleged Capital XXXX N.A. XXXX XXXX XXXX XXXX ( Account # XXXX ) is reporting a collection account for {$640.00}, allegedly purchased from XXXX XXXX XXXX. 
I do not recognize or owe this debt. 
XXXX XXXX XXXX has failed to provide proper validation as required under XXXX XXXX. XXXX ( b ) - FCRA Section XXXX, which mandates credit reporting agencies ensure the maximum possible accuracy of consumer reports. 
Experian violated XXXX XXXX. XXXX - FCRA Section XXXX by failing to conduct a reasonable reinvestigation of this disputed collection. 
Experian violated XXXX XXXX. XXXX - FCRA Section XXXX by continuing to report unverifiable negative information. 

Issue XXXX : Incorrect Late Payment History on Closed Accounts The XXXX XXXX ( Account # XXXX ) is reporting late payments in XXXX, despite being closed in XX/XX/XXXX. 
The XXXX XXXX XXXX XXXX account ( Account # XXXX ) is reporting 120 days past due as of XX/XX/XXXX, but my records show no such delinquency. 
Experian violated XXXX XXXX. XXXX - FCRA Section XXXX by failing to ensure maximum possible accuracy before reporting this information. 
XXXX submitted disputes on my behalf, yet Experian failed to provide any documentation proving the accuracy of these late payments. 

Issue XXXX : Incorrect Personal Information My credit report contains multiple incorrect names and addresses, including a name, XXXX XXXX XXXX, which is not associated with my credit history. 
These inaccuracies could be linking me to accounts that are not mine, further damaging my credit. 
Experian violated XXXX XXXX. XXXX - FCRA Section XXXX by failing to properly investigate and correct these errors despite my dispute submission. 

Issue XXXX : Experians Failure to Properly Investigate Disputes Submitted via Dovly.ai My disputes were submitted through Dovly.ai, an automated dispute service, yet Experian failed to conduct a proper reinvestigation and simply marked the disputed accounts as verified without providing proof. 
Under XXXX XXXX. XXXX - FCRA Section XXXX, Experian must conduct a reasonable reinvestigation within 30 days, but they did not provide any documentation or proof to support their verification. 
Experian also violated XXXX XXXX. XXXX - FCRA Section XXXX by failing to maintain procedures to ensure the accuracy of reported information. 

XXXX. How This Has Affected Me These errors are damaging my XXXX XXXX and preventing me from accessing financial opportunities such as loans, housing, and credit. 
XXXX failure to follow federal credit reporting laws has caused financial harm and distress.

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