Consumer complaint received 2025-01-22 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: AR

Complaint narrative:
My previous dispute was said to be investigated and verified, but it was not according to the law. It is ridiculous that consumers have to repeatedly go through this and be taken advantage of at the cost of companies who make billions, while we suffer and are denied credit opportunities. 

I, XXXX XXXX, am filing this updated complaint against XXXX XXXX XXXX XXXX ( Account Number XXXX ) and the three major credit reporting agencies ( XXXX, Experian , and XXXX ) regarding ongoing violations of consumer protection laws and failure to properly investigate and correct inaccurate information on my credit reports. 

Failure to Properly Validate Debt XXXX XXXX has once again failed to provide the detailed validation I requested, including : A copy of the original signed agreement Documentation showing the chain of ownership of the debt A detailed accounting of the alleged debt Their response merely stated the debt was " verified '' without providing evidence of how it was verified, which is insufficient under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Inconsistent and Inaccurate Reporting Across Credit Bureaus FCRA Violations Failure to conduct a reasonable investigation : XXXX XXXX 's response and the credit bureaus ' actions shows they verified the information without conducting the thorough investigation required by the FCRA. 

Failure to correct inaccurate information : The inconsistencies across credit bureaus suggest that inaccurate information has not been corrected as required by the FCRA and a proper investigation has not been done. 

Failure to provide requested documentation : The company 's failure to provide the documentation I requested to validate the debt violates both the FDCPA and FCRA. 

Recent Legal Actions Against Credit Reporting Agencies I draw your attention to recent legal actions taken by the CFPB against Experian and XXXX for similar violations : On XX/XX/year>, the CFPB filed a lawsuit against Experian for conducting " sham investigations '' of consumer disputes. On XX/XX/year>, the CFPB ordered XXXX to pay a {$15.00} XXXX civil penalty for failing to properly investigate disputes and allowing previously deleted errors to reappear on credit reports. 

These actions demonstrate that the issues I've experienced are part of a broader pattern of behavior by major credit reporting agencies. 

Request for Action I request that the CFPB : Investigate whether XXXX XXXX and the credit reporting agencies conducted reasonable investigations as required by the FCRA. 

Require XXXX XXXX to provide the detailed debt validation I initially requested. 

Investigate the inconsistencies in reporting across the three credit bureaus. 

Ensure that all inaccurate information is removed from my credit reports if it can not be properly validated. 

Take appropriate enforcement action against XXXX XXXX and the credit reporting agencies for any violations of consumer protection laws. 

Given the similarity between the violations alleged in the recent lawsuits and the issues I've experienced, I believe it is crucial for the CFPB to thoroughly investigate this matter to protect consumers from ongoing harm caused by improper credit reporting and investigation practices. Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with all applicable consumer protection laws and regulations.

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