Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, LA XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXXXX/XX/XXXX, D.C. XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Experians Sham Investigations & FCRA Violations FTC Complaint Against Experian and Furnishers for Deceptive Practices To Whom It May Concern, I am filing a formal complaint against Experian for deliberate violations of the Fair Credit Reporting Act ( FCRA ) and systemic failures in handling consumer disputes, which mirror the same illegal practices for which Experian is currently being sued by the CFPB. Additionally, I am filing an FTC complaint against Experian and multiple furnishers for deceptive reporting practices, as they continue to report information that has already been removed from XXXX and XXXX. 

Experians FCRA Violations & Failure to Conduct Reasonable Investigations Experian is still reporting the following accounts, despite their deletion from XXXX and/or XXXX : 1. XXXX XX/XX/XXXX Removed from XXXX & XXXX but remains on Experian. 
2. XXXXXX/XX/XXXX ( XXXX ) ** Removed from XXXX & XXXX but still reported by Experian. 
3. XXXX XXXXXX/XX/XXXX Removed from XXXX but remains on Experian. 
4. XXXX XXXX XXXX ( Multiple Accounts ) Removed from XXXX, yet Experian refuses to update its records. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Removed from XXXX but still reported by Experian. 
6. XXXX XXXX XXXX ( XXXX ) Removed from both XXXX & XXXX but continues to appear on Experian. 
7. XXXX XXXX XXXX ( XXXX & XXXX XX/XX/XXXX XX/XX/XXXX) Deleted from XXXX but remains on Experian. 

This pattern of reckless reporting is a direct violation of FCRA Section 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ), which mandates that furnishers : Report corrections to all CRAs where the information was originally furnished.

Ensure that inaccurate, incomplete, or unverifiable information is deleted across all CRAs, not just selectively. 

XXXX refusal to delete these accounts while other CRAs have done so proves that its dispute process is fraudulent, noncompliant, and a clear violation of federal law.

1. Experians Sham Investigations The Same Conduct Cited in the CFPB Lawsuit Experians refusal to remove these accounts after disputes were filed and processed matches the exact misconduct cited in the CFPBs lawsuit against Experian.

The CFPB lawsuit highlights how Experian systematically refuses to conduct legitimate investigations, instead relying on automated systems that dismiss disputes without verifying accuracy.

Experians continued reporting of deleted accounts demonstrates that it is engaged in the same illegal conduct described in the CFPB lawsuit.

2. Violations by Creditors Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ) In addition to Experians violations, the furnishers providing inaccurate data are also liable for : Failure to Provide 30-Day Notice of Negative Reporting ( FCRA Section 623 ( a ) ( 7 ) ) These creditors have failed to prove they notified me in writing within 30 days of reporting negative information, violating their legal obligations under the FCRA.

Failure to Report Corrections to All CRAs ( FCRA Section 623 ( b ) (
1 ) ( D ) ) The furnishers had a duty to update Experian after removing the accounts from XXXX and XXXX, yet they failed to do so. 
This selective reporting is an unfair and deceptive practice in direct violation of federal law. 

3. Filing an FTC Complaint for Deceptive Practices Against Experian & Creditors Since Experian and these furnishers have knowingly engaged in deceptive and misleading credit reporting, I have filed a formal complaint with the FTC requesting an investigation into their fraudulent practices.

Experian is deliberately misleading consumers by maintaining inaccurate data, even after other CRAs have removed it.

Creditors are failing to update all CRAs uniformly, creating an unfair and deceptive impact on my credit standing.

This constitutes a violation of the FTC Acts prohibition against unfair and deceptive acts or practices ( 15 U.S.C. 45 ).

4. Legal Ramifications & Potential Lawsuit Against Experian & Creditors If Experian and these furnishers do not immediately correct these violations, I will : Pursue legal action against Experian and the furnishers for willful FCRA violations under 15 U.S.C. 1681n, seeking : Statutory damages of up to {$1000.00} per violation Actual damages, including financial harm suffered due to Experians negligence Punitive damages for reckless noncompliance with federal law Request the CFPB to impose financial penalties on Experian for its continued failure to conduct lawful investigations.

5. Demands for Immediate Action To resolve this matter without further escalation, I demand that Experian : 1. Immediately remove all the disputed accounts from my credit report as they were removed from other CRAs.

2. Provide documented proof that Experian has conducted a real investigation into these disputes rather than relying on automated responses.

3. Obtain written verification from the furnishers confirming the removal of these accounts.

4. Provide me with copies of all communications between Experian and the furnishers regarding my disputes.

Failure to comply within 10 business days will result in further legal action and regulatory complaints.

Final Notice to Experian & Creditors This is Experians last opportunity to correct its fraudulent reporting before : An official FTC investigation is opened against Experian and the furnishers.

A new CFPB complaint is filed citing Experians identical conduct to its ongoing lawsuit.

Legal action is taken against Experian and the furnishers for statutory and punitive damages.

Experians bad-faith investigations and refusal to comply with the FCRA are no longer acceptable. I expect immediate resolution, or this matter will escalate further. 

Sincerely, XXXX XXXX XXXXXX/XX/XXXXXXXX, LA 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 explanation