Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
Subject : Formal Complaint and Demand for Investigation Against Experian and XXXX XXXX XXXX for Violations of 15 U.S.C. 1692 ( c ), 1692 ( d ) ( 2 ), and 1681s-2 Request for Statutory Damages I am filing a formal complaint against Experian and XXXX XXXX XXXX for their violations of federal consumer protection laws, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have resulted in financial harm, including the denial of credit and housing, and I am seeking damages in accordance with the law. 

Violations of Federal Law Violation of 15 U.S.C. 1692 ( c ) Unauthorized CommunicationExperian and National Credit Systems have reported a debt to my consumer report without my explicit consent to communicate with me. Under 15 U.S.C. 1692 ( c ), debt collectors must have permission to contact a consumer under certain conditions, and I never authorized such communication.

Violation of 15 U.S.C. 1692 ( d ) ( 2 ) Harassment and AbuseThe inaccurate and harmful reporting of this account on my credit report has resulted in tangible damages, including being denied access to credit and housing. Under 15 U.S.C. 1692 ( d ) ( 2 ), such conduct is deemed harassing and oppressive, and is therefore illegal.

Violation of 15 U.S.C. 1681s-2 Inaccurate ReportingNational Credit Systems , as a data furnisher, has violated its obligations under 15 U.S.C. 1681s-2 by reporting incorrect and misleading information to Experian. Despite my dispute, Experian has failed to properly investigate and correct the inaccuracies, which is a direct violation of the FCRA. 

Account Details : Collection Agency : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$11000.00} Balance : {$11000.00} Balance Updated : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Collection account with {$11000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Payment Summary : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : C XXXX : XXXX XXXX : C XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX Comments : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Contact Information : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Legal Demand for Damages Under XXXX5 U.S.C. 1681n, any willful noncompliance with the FCRA entitles an individual to statutory damages of up to {$1000.00} per violation. Additionally, under 15 U.S.C. 1692k, consumers are entitled to damages for violations of the FDCPA. Due to Experians repeated failure to comply with federal law, I am demanding the following : {$1000.00} per violation of the FCRA and FDCPA for Experians failure to properly investigate and correct disputed information and its unauthorized and harmful communication regarding this account. 

XXXX deletion of this account from my consumer report due to its unlawful reporting and failure to meet legal compliance standards. 

I request that the CFPB investigate these violations and take necessary action against Experian and XXXX XXXX XXXX to ensure compliance with federal law. If this matter is not resolved promptly, I am prepared to escalate my complaint to legal 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