Consumer complaint received 2024-07-12 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: MI

Complaint narrative:
Complainant ( Consumer ) alleges inaccuracies and material misrepresentations in credit reporting by Experian for the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX with corresponding account number XXXX. Despite multiple disputes and clear evidence of inaccuracies, Experian has consistently failed to correct the information, resulting in significant harm to Consumers creditworthiness and financial stability. 

Experian has exhibited a consistent pattern of willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite receiving multiple dispute notifications and clear evidence of misleading information reported, Experian has repeatedly failed to conduct proper ( re ) investigations as required under 15 U.S.C. 1681i. Furthermore, Experian has failed to implement and maintain processes and procedures to ensure maximum possible accuracy in the credit files it maintains regarding Consumer, as required under 15 U.S.C. 1681e ( b ). Experian has also failed to correct or delete information it could neither verify nor correct for the XXXX XXXX ( XXXX ) account/tradeline, in violation of 15 U.S.C. 1681i ( a ) ( 5 ). 

Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Experian received several detailed dispute notices from Consumer apprising Experian that the collection account needed to be removed due to both FCRA and FDCPA violations. After conducting an investigation and multiple reinvestigations, Experian has persisted in reporting the false, misleading, inaccurate information in the files Experian maintains regarding Consumer. Most alarming is that on XXXX XX/XX/XXXX, the Collection agency noted it would " begin its investigation shortly, '' yet Experian purports to have finished its initial investigation and reinvestigations. 

Under 15 U.S.C. 1692g ( b ) of the FDCPA, when a Collection agency receives a dispute notice from a Consumer regarding the alleged debt, the Collection agency is required to cease all collection efforts UNTIL the debt can be verified and validated. Thus, as the alleged collection item has neither been verified nor validated by the Collections agency, and Consumer has filed a direct dispute to which the collections agency has responded stating it will " begin its investigation shortly, '' it is unlawful under the FCRA and FDCPA to report the collection item in credit files Experian maintains regarding Consumer. The information is misleading in such a way and to such an extent that it [ could have been ], expected to have an adverse effect [ on the consumer ] ( Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 948 ( 6th Cir. 2020 ) ). Consequently, Consumer 's credit score dropped by fifty ( XXXX ) points because the Collection item was added to the report.

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