Consumer complaint received 2025-01-17 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: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint regarding Experians failure to conduct thorough and lawful investigations of disputes, as well as the continued reporting of inaccurate information on my consumer report. The affected accounts include : XXXX. XXXX XXXX ( XXXX ) ** XXXX. XXXX XXXX ( XXXX ) ** XXXX. XXXX XXXX Bank XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX These accounts have been removed from XXXX and XXXX, yet Experian continues to verify and update them in a manner that is inconsistent, inaccurate, and harmful to my creditworthiness. 

Experians Violations XXXX. Failure to Provide Notice of Dispute ( FCRA Section 611 ( a ) ( 2 ) ) Experian failed to send me written notice of the dispute within XXXX business days of receipt, as required by FCRA XXXX U.S.C. XXXX ( a ) ( 2 ). This procedural failure obstructs my ability to track and respond to dispute outcomes effectively. I demand immediate proof that a notice of dispute was sent to me, including the tracking number, date, and content of the communication. 

XXXX. Failure to Conduct Reasonable Reinvestigations Experians investigations into these accounts have been sham processes that : Relied solely on furnishers Automated Credit Dispute Verification ( ACDV ) responses without examining the reliability of the furnishers or the supporting documentation I provided. 
Failed to convey all relevant information to furnishers, violating FCRA Section 611 ( a ) ( 1 ) ( A ). 
Did not address or resolve glaring inconsistencies in payment history and account statuses. 

XXXX. Reporting Extortionate and Misleading Payment Histories For example : XXXX XXXX ( XXXX ) ** : This account, marked as charged off, continues to report incremental late payments ( XXXX, XXXX, XXXX, XXXX, XXXX ), which manipulates the XXXX delinquency timeline. 
XXXX XXXX ( XXXX ) ** : This account inaccurately reports a XXXX late payment despite showing OK payment history throughout. 

These practices violate the FCRAs requirement to report accurate and complete information under XXXX U.S.C. XXXX ( b ) and contribute to XXXX XXXX extortionate practices. 

XXXX. Failure to Ensure Maximum Possible Accuracy Despite the removal of these accounts by XXXX and XXXX, Experian has not provided a credible explanation for why it continues to verify and update the accounts. This lack of uniformity and impartiality violates the FCRAs intent to ensure fairness in consumer reporting. 

XXXX. Failure to Provide Documentation from Furnishers All creditors involved ( XXXX XXXX XXXXXXXX XXXX Bank, XXXX XXXX XXXX XXXX, and XXXX XXXX  ) failed to notify me within XXXX days of furnishing negative information, as required under FCRA Section 623 ( a ) ( 7 ). I demand that Experian obtain and provide proof of these notices, including : Exact copies of the notices sent. 
Dates and tracking information to verify delivery. 

Demands for Immediate Action XXXX. Immediate removal of all listed accounts due to sham investigations, procedural violations, and extortionate practices. 
XXXX. Proof of procedural compliance, including : Documentation that Experian sent me a dispute notice within XXXX business days. 
Full reinvestigation records and communications with furnishers. 
XXXX. Creditor-provided documentation, including notices sent to me within XXXX days of reporting negative information and their justification for continued reporting. 
XXXX. Written confirmation of resolution within XXXX  days of receipt of this complaint. 

Notice of Escalation Failure to comply with these demands will result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), along with legal action for damages under the FCRA. I will also seek statutory, actual, and punitive damages for the harm caused by these violations. 

This matter requires immediate corrective action.

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