Consumer complaint received 2024-03-25 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: CO

Complaint narrative:
Subject : Complaint Against Credit Reporting Agency for Failure to Remove Inaccuracies from Consumer Report Dear CFPB Complaints Division, I am writing to file a formal complaint against Experian and the furnishers of the account listed below which are in question for their persistent failure to remove inaccuracies from my consumer report such as continuous reporting of inaccurate information, including but not limited to incorrect names, incorrect account statuses, erroneous dates of account opening, inaccurate amounts owed, flawed payment histories, and unauthorized utilization of non public information which is in violation of the Fair Credit Reporting Act ( FCRA ) and the privacy act of 1974 and associated regulations. Despite multiple attempts to rectify the inaccuracies and provide evidence supporting my claims Experian as has continuously reported false information, thereby causing significant harm to my financial standing and reputation. 

Specifically, I have documented evidence that these credit reporting agencies have neglected to comply with the requirements outlined in 15 USC 6801, which mandates that credit reporting agencies refrain from reporting inaccurate information. I have diligently corresponded with these reporting agencies by sending certified letters, providing detailed explanations of the inaccuracies, and submitting supporting documentation to substantiate my claims. However, despite my efforts, Experian has persistently ignored my requests and falsely asserted that they have reinvestigated the disputed items, yet the inaccuracies remain unchanged. 

Furthermore, these agencies have engaged in language fraud which is in direct violation of Title 17 of the Code of Federal Regulations by falsely claiming to have conducted a thorough reinvestigation while disregarding the evidence provided. They have stated that account listed have come back verified. Me being the consumer I want to know by whom were these accounts verified? As I have not given any permission or authorization written or verbal to share my non public information to any of these third party associates. This blatant disregard for the truth not only violates the FCRA but also undermines the integrity of the credit reporting system and exacerbates the financial harm inflicted upon consumers. 

Additionally, Experian violated specific provisions of the FCRA, including but not limited to : Failure to provide accurate information in consumer reports ( 15 USC 1681e ( b ) ) Failure to conduct a reasonable reinvestigation of disputed items ( 15 USC 1681i ) Failure to correct inaccuracies in a timely manner ( 15 USC 1681i ( a ) ( 5 ) ) Furthermore, I would like to draw attention to evidence from the Internal Revenue Service ( IRS ) and the United States Code ( USC ) Law website, which confirms that a charge-off is considered a Certificate of Indebtedness and should not be reported as income on my consumer report. This evidence directly supports my claims regarding the inaccuracies in my report and underscores the urgency of rectifying the situation promptly. 

In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against these Credit Reporting Agencies for their repeated violations of the FCRA. Additionally, I urge the Bureau to ensure that these agencies promptly removes the inaccuracies from my consumer report as this is causing extreme financial hardship on my family and myself. Ive alloted an ample amount of time to these Credit Reporting agencies according to the law.

Below I have attached proof of my certified letters I have sent along with the tracking number and the date of delivery of the initial letters. Along with two forms of ID. Also I have attached a past credit report and a current report showing that the inaccuracies remained on reports. 
The specific accounts that I am pertaining to have been listed in the certified letters that I have sent out. Also I've relisted the account all accounts in question with this complaint. Again as a federally protected consumer I demand these inaccuracies be removed immediately as I have already given these companies more than 30 days to rectify these matters furthermore disregard to my consumer right will result in legal action being taken on my behalf to ensure the integrity of the law is being upheld. 

Accounts in question XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX # XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX # XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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 non-monetary relief