Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am filing this complaint against Experian, XXXX, and XXXX for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with Experian, XXXX, and XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to Address XXXX Non-Issuance by a Collection Agency : My credit report includes a collection account fromTransunion, which I have disputed. The collection agency has failed to issue a legally required XXXX ( Cancellation of Debt ) form for this account. Under IRS guidelines, creditors or collection agencies must issue a XXXX for debts of {$600.00} or more that have been forgiven or canceled. 
Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a XXXX. This raises questions about the legitimacy of the debt and violates federal regulations. 
Key Violations : XXXX. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
XXXX. Failure to Provide Details of Investigation : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by XXXX U.S.C. 1681i ( a ) ( XXXX ) and 15 U.S.C. 1681i ( a ) ( XXXX ). 
XXXX. Inaccurate Reporting and Failure to Address XXXX Non-Issuance : o Experian, XXXX, and XXXX continue XXXX report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a XXXX for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity. 

XXXX. " I submitted a dispute to Experian on XX/XX/year>, through the CFPB Complaint Portal. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and respond to my dispute within 30 days. I have not received a response from Experian as of today 's date, which is beyond the allowed response timeframe. If Experian needed additional time to gather information, they could extend the response time to 45 days. However, I have not been notified of any such extension, and the deadline has passed. I am seeking XXXX assistance to ensure that Experian complies with FCRA requirements by providing me with a prompt response to my dispute. '' Provide Supporting Details : Complaint Submission Date : XX/XX/year> Requested Resolution : Request that Experian provide the dispute results promptly, following the FCRAs required timeline. 
Submit the Complaint : Complete any additional details as required by the CFPB portal. 
Review and submit your complaint. 
The CFPB will confirm the submission and follow up with updates as the complaint progresses. Youll also receive notifications if Experian responds through the portal.

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