Consumer complaint received 2025-02-24 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: NV

Complaint narrative:
I am reaching out to the CFPB to make a complaint about a collection on my credit profile. 
Incorrect Credit Report Information XXXX XXXX XXXX Account This is the first letter I sent them below to dispute this item on my credit report I am requesting that you provide all documents and evidence that were used to verify the accuracy of this account, as well as proof of the alleged {$950.00}, which I dispute.

In Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ), the court emphasized that credit reporting agencies must conduct reasonable investigations when discrepancies arise. Additionally, Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ) affirmed that reliance solely on the information provided by creditors is insufficient without further verification.

I request that this account be promptly deleted from my credit report. Should you fail to address this matter within the required, this is the letter I sent and they havent sent me any proof of anything within 30 days of me sending that letter and its been past that I sent that letter on XXXX XXXX and its still yet to be on my report.

I am writing to complain about Experians failure to address inaccuracies in my credit report concerning a collection account : XXXX XXXX. 

I requested that they show me proof of the investigation I am aware of the recent lawsuit filed by the CFPB against Experian for similar issues. This lawsuit strengthens my concerns about Experian 's poor dispute resolution practices. 

- Inaccuracies : The account shows as XXXX, opened on XXXX, with a last activity date of XXXX. This information is incorrect ; I never entered into any agreement for this collection. 

- Verification Failure : Under 15 U.S.C. 1681, I requested Experian to provide the verification details for this account, but have received no response.

- Incorrect Balance : The reported balance of {$950.00} is inaccurate as I do not owe this amount, and I have asked Experian to substantiate this claim.

Legal Precedence : As in Richardson v. Fleet Bank of Massachusetts, inaccurate credit reporting needs correcting immediately.

The incorrect information adversely affects my creditworthiness, impacting my access to credit, employment, and housing.

For several months, I have corresponded with Experian to address errors on my credit report. Unfortunately, Experian has not complied with regulations outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, and other relevant sections.

Despite multiple letters sent, Experian has not adequately investigated or corrected these inaccuracies. The persistence of these errors is adversely affecting my ability to secure credit and housing.

I request that the CFPB assists in ensuring Experian conducts a thorough investigation and correction of my report. I seek the removal of false information and prevention of error reinsertion. 

Please contact me at XXXX phone number ( XXXX for any additional information or documents.

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