Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint to address several inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws related to my credit report. These inaccuracies have caused me significant harm and frustration, and I demand immediate resolution. 

FCRA Violations ( 15 U.S. Code 1681 et seq. ) : Inaccurate Information Reporting : My credit report contains numerous items, including bankruptcy, evictions, credit cards, and loans, that were decisions made by my former husband during our marriage, where I had no income or involvement in obtaining these accounts. Per 15 U.S. Code 1681e ( b ), credit reporting agencies ( CRAs ) are required to maintain maximum accuracy in their reporting, which has not been upheld.

Dispute Resolution Failures : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), CRAs are required to investigate disputes promptly and verify or remove inaccurate items. I have attempted to dispute these items, but they remain on my credit report without proper investigation or resolution. Furthermore, 15 U.S. Code 1681i ( a ) ( 5 ) requires the deletion of unverifiable information, which has not been adhered to in my case.

Unauthorized Use of Credit Information ( 15 U.S. Code 1681b ( a ) ( 2 ) ) : My former husband 's actions during our marriage, including opening credit accounts and filing for bankruptcy, were done without my explicit consent. Under 15 U.S. Code 1681b ( a ) ( 2 ), CRAs are only permitted to furnish consumer reports for permissible purposes and with proper authorization, which was not obtained in these instances.

FDCPA Violations ( 15 U.S. Code 1692 et seq. ) : Communication Violations : Debt collectors have contacted me regarding debts that were not authorized or created by me, violating 15 U.S. Code 1692c, which regulates communication with consumers.

Validation of Debt : Under 15 U.S. Code 1692g, debt collectors are required to provide proper validation of debts within five days of initial communication. In several cases, this requirement was not fulfilled.

Billing Error Resolution ( 15 U.S. Code 1666b and 12 CFR 1026.13 ) : Items related to accounts opened by my former husband were inaccurately reported as my responsibility. Per 15 U.S. Code 1666b and 12 CFR 1026.13, creditors and CRAs have a duty to correct billing errors, which has not occurred in my case.

Right to Rescission ( 15 U.S. Code 1635 ) : I was not informed of my right to rescind certain transactions that affected my credit during my marriage. This omission is a violation of 15 U.S. Code 1635.

Ongoing Litigation and Systemic Issues : Recent lawsuits and settlements against Experian and XXXX highlight systemic issues in their reporting practices. These include failure to investigate disputes, inadequate safeguards to ensure accurate reporting, and improper handling of consumer information. My experience aligns with these concerns, further demonstrating the need for 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