Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint I am filing a complaint against Experian regarding their handling of disputes on my credit report, which involves multiple violations of federal laws. 
XXXX. I have repeatedly disputed accounts with Experian that have been verified within an hour of submission, suggesting a lack of thorough investigation. Over the years, I have provided substantial evidence proving inaccuracies, which Experian continues to disregard, in clear violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. XXXX XXXX XXXX : The account appears on my credit report twice with different balance update dates : {$800.00} on XX/XX/XXXX {$800.00} on XX/XX/XXXX This violates : The FCRA, as it appears without notice to dispute, violating my rights under 611 ( a ) of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation of disputed information. 
The Fair Credit Billing Act ( FCBA ), as the duplicate entry may lead to inaccuracies in billing. 
The XXXX XXXX XXXX Reform and Consumer Protection Act, under its Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions, since reporting the same debt multiple times can be deceptive or abusive. 
The False Claims Act ( FCA ), as facilitating false claims about my financial responsibility misrepresents my credit obligations. 
XXXX. I have notified Experian that my XXXX account has been sold but still shows an open balance. Experians failure to update or correct this information also violates 623 ( a ) ( 2 ) of the FCRA, which requires furnishers to update and correct information. 
XXXX. I have submitted a complaint regarding Flagships payment history inaccuracies, which Experian has not addressed adequately. 
XXXX. Experian has blocked me from submitting certain disputes online since XXXX, violating my rights under 611 of the FCRA, which entitles consumers to dispute information and have a fair opportunity to correct inaccuracies. 
XXXX. The lawsuit filed on XXXX XXXX, XXXX, alleges that Experian has been conducting sham investigations of consumer report errors, violating the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) by failing to remove inaccurate information and conducting improper reinsertion of previously deleted data into consumer reports under different furnishers, in violation of 611 ( c ) of the FCRA.

Experian has failed to provide any proof that the debts reported on my credit report are accurate. According to 611 ( a ) ( XXXX ) ( A ) of the FCRA, upon dispute, credit reporting agencies are required to reinvestigate the disputed information and provide evidence to substantiate the accuracy of the items. Experians failure to provide such proof is a direct violation of the FCRA. I demand the following actions : A detailed description of the procedures used to determine the accuracy of the information, as required by 611 ( a ) ( 7 ) of the FCRA.

Immediate removal of the disputed and duplicate entries. 
Full compliance with all FCRA, FCBA, FDCPA, and Dodd-Frank Act provisions to prevent further violations and harm. 

These actions constitute false allegations against me, causing significant financial harm and emotional distress. Such violations are subject to legal remedies and penalties.

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