Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
Final Complaint, Call for Action, and Demand for Arbitration and Compensation To Whom It May Concern, I am formally submitting this complaint against Experian for its blatant disregard and willful noncompliance with its own terms and conditions, as well as its violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and Federal Trade Commission ( FTC ) statutes and guidelines. This complaint is based on Experians continued abuse of my credit file, failure to provide documentation supporting its reporting decisions, and its infringement on my rights as a consumer.

Experians Noncompliance and Violations 1. Failure to Provide Documentation for Verizon Wireless Trade Line Violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ( FCRA ) Experian is required to provide the method of verification ( MOV ) when a consumer disputes the accuracy of an item. Despite repeated CFPB complaints, Experian has failed to produce any documentation proving that XXXX XXXX or any collection agency has properly verified the disputed account. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) This case established that credit reporting agencies ( CRAs ) must conduct a reasonable investigation into disputes rather than relying solely on the furnishers verification. Experians repeated failure to provide documentation supporting its continued reporting of XXXX XXXX demonstrates an unreasonable and reckless disregard for its obligations. 
XXXX XXXX Experian Information Solutions XXXX XXXX, XXXX. XXXX ( XXXX XXXX. XXXX ) Reinforces that Experian has a duty to properly investigate disputes and can not blindly rely on furnishers. 

2. Unauthorized Opening and Closing of Disputes 15 U.S.C. 1681s-2 ( b ) ( FCRA ) Once a consumer disputes an item, the furnisher must conduct an investigation and report its findings. However, Experian has been opening and closing disputes concerning XXXX XXXX without my authorization and failing to provide any results or documentation supporting its claim of verification. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) This case clarifies debt collector responsibilities under the FDCPA. If Experian is working with a third-party debt collector on behalf of XXXX XXXX XXXX XXXX is obligated to ensure the collection is lawful and properly verified. 

3. Refusal to Remove Fraudulent and Outdated Personal Information 15 U.S.C. 1681c ( a ) ( 5 ) ( FCRA ) CRAs must delete or suppress outdated and inaccurate personal information. Experian has failed to remove over XXXX fraudulent and outdated addresses despite clear evidence of identity theft and erroneous reporting. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Established that credit bureaus must correct incorrect information upon notice from consumers, which Experian has failed to do despite my repeated requests. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX XXXX, XXXX ) Holds that credit bureaus must correct fraudulent accounts and personal data upon consumer request. XXXX and XXXX have complied with removing fraudulent addresses. As well as, XXXX, had complied with removal of the XXXX XXXX trade line, yet Experian refuses to do so, demonstrating negligent and willful noncompliance. 

XXXX. Failure to Provide XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX ( b ) ( FCRA ) CRAs must maintain reasonable procedures to ensure maximum possible accuracy in credit reports. Experian has repeatedly marked the XXXX XXXX trade line as verified without any supporting documentation, violating this statute. 
XXXX v. XXXX XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Courts have ruled that credit bureaus must do more than accept a furnishers verification at face value ; they must investigate thoroughly. Experian has never provided any verification, making its reporting unreliable and unlawful. 

Call for Action and Demand for Arbitration & Compensation Due to Experians evident and ongoing violations, I demand : 1. Immediate Arbitration or Regulatory Investigation The CFPB, FTC, and state attorneys general must be notified to conduct a full investigation into Experians willful violations of the FCRA, FDCPA, and other federal laws. 
15 U.S.C. 1681n ( FCRA ) Allows for legal action and damages against Experian for its willful noncompliance.

2. Production of All Documentation Related to XXXX XXXX XXXX XXXX Experian must immediately provide : Any contract or agreement with my signature regarding the alleged XXXX XXXX account. 
Any communication records, call logs, or authorization forms between myself, XXXX XXXX, or any collection agency. 
The method of verification ( MOV ) used to verify this trade line. 
If Experian can not provide these records, it must immediately remove the trade line. 

XXXX. Correction and Removal of Fraudulent Information Experian must : Correct my name to XXXX XXXX XXXX and remove all incorrect variations. 
Remove all fraudulent and outdated addresses, including XXXX XXXX XXXX XXXX XXXX XXXX F and all incorrect listings. 
Align its reporting with XXXX and XXXX, both of which have already complied with my correction requests. 

4. Financial Compensation for Damages 15 U.S.C. 1681o ( FCRA ) Provides for damages due to negligent noncompliance.

Experians failure to comply has caused financial harm, emotional distress, and loss of credit opportunities. Therefore, I am seeking financial compensation for : Emotional distress Loss of credit opportunities Statutory and punitive damages for willful noncompliance Conclusion This complaint is supported by federal case law, regulatory guidelines, and Experians own legal obligations. Experian has 30 days to respond and comply. Failure to act will result in further legal action, arbitration, and the pursuit of statutory and punitive damages. 

Sincerely, XXXX 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 explanation