Consumer complaint received 2024-12-10 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:
CFPB Complaint Against Experian Date : XX/XX/XXXX From : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX DOB : XX/XX/XXXX Last XXXX of SSN : XXXX Phone : XXXX Email : XXXX Complaint Summary I am filing this complaint against Experian for its repeated failure to uphold its obligations under the Fair Credit Reporting Act ( FCRA ). Despite receiving multiple disputes supported by clear evidence, including contradictory written responses from XXXX XXXX XXXX  XXXX Experian has allowed conflicting and inaccurate information to remain on my credit report. This negligence has caused ongoing harm to my creditworthiness. 
Key Violations by Experian : XXXX. Failure to ensure maximum possible accuracy under FCRA 607 ( b ) by permitting conflicting information about delinquency and closure dates. 
XXXX. Permitting the reinsertion of negative data without proper certification under FCRA 611 ( a ) ( 5 ) ( B ) after accurate corrections were made in XX/XX/XXXX. 
XXXX. Failing to include the legally mandated " Account in Dispute '' notation under FCRA 623 ( a ) ( 3 ). 
XXXX. Neglecting its duty to conduct reasonable reinvestigations under FCRA 611 ( a ) by accepting unverifiable or inconsistent information from the furnisher. 
Details of Experian 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX responses acknowledging that the account in question was closed on XX/XX/XXXX, and fully paid using the security deposit, yet Experian has allowed this account to be reported with conflicting delinquency and closure dates. Below is a timeline of Experian 's failure to maintain consistent and accurate reporting : XXXX. XX/XX/XXXX Report ( No. XXXX ) Before Dispute : XXXX  days late ( XX/XX/XXXX ), XXXX  days late ( XX/XX/XXXX ). 
After Dispute : Changed to XXXX  days late ( XX/XX/XXXX ), XXXX days late ( XX/XX/XXXX ). 
XXXX. XX/XX/XXXX Report ( No. XXXX ) Before Dispute : XXXX days late ( XX/XX/XXXX ), XXXX  days late ( XX/XX/XXXX ). 
After Dispute : Changed to XXXX days late ( XX/XX/XXXX ), XXXX days late ( XX/XX/XXXX ). 
XXXX. XX/XX/XXXX Report ( No. XXXX ) Before Dispute : XXXX  days late ( XX/XX/XXXX ). 
After Dispute : Correctly marked Paid, Closed/Never Late in response to my dispute. 
XXXX. XX/XX/XXXX Report ( No. XXXX ) Before Dispute : Correctly marked XXXX, Closed/Never Late. 
After Dispute : Reinserted XXXX  days late ( XX/XX/XXXX ). 
XXXX. XX/XX/XXXX Report ( No. XXXX ) Before Dispute : XXXX  days late ( XX/XX/XXXX ). 
After Dispute : Changed to XXXX days late ( XX/XX/XXXX ). 
XXXX. XX/XX/XXXX Report ( No. XXXX ) Before Dispute : XXXX  days late ( XX/XX/XXXX ). 
After Dispute : XXXX date changed from XX/XX/XXXX to XX/XX/XXXX, only to revert back in later reports. 
XXXX  XXXX 's Written Acknowledgments Contradict Experian 's Reporting Key excerpts from XXXX XXXX 's written responses to my CFPB complaints demonstrate that they knew the reporting was inaccurate : XXXX. Response dated XX/XX/XXXX : XXXX XXXX confirmed that the account was closed as of XX/XX/XXXX, and paid in full using the security deposit. 
They stated the delinquency reporting for XXXX and XX/XX/XXXX was accurate. 
However, later updates ( e.g., XX/XX/XXXX ) acknowledged the account as Paid, Closed/Never Late. 
XXXX. Response dated XX/XX/XXXX : XXXX acknowledged that their reporting to all three credit bureaus was uniform, yet the data provided to Experian conflicted repeatedly, as shown by the differing closure and delinquency dates across reports. 
XXXX. Response dated XX/XX/XXXX : XXXX XXXX accepted the correction to mark the account as Paid, Closed/Never Late, removing any record of delinquencies. 
Experian reinstated negative information in XX/XX/XXXX, undermining the prior correction. 
XXXX. Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) The delinquency dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and closure dates ( XX/XX/XXXX vs. XX/XX/XXXX ) are inconsistent and conflict with XXXX XXXX 's own responses. Experian failed its duty to ensure accuracy. 
XXXX. Unlawful Reinsertion of Negative Data ( FCRA 611 ( a ) ( 5 ) ( B ) ) After the account was correctly marked as Paid, Closed/Never Late in XX/XX/XXXX, Experian unlawfully allowed negative data to be reinserted in XX/XX/XXXX without proper certification, as required by law. 
XXXX. Failure to Note Disputes ( FCRA 623 ( a ) ( 3 ) ) Despite multiple disputes, Experian failed to include the legally mandated " Account in Dispute '' notation. This omission misleads lenders and violates FCRA. 
XXXX. Failure to Conduct Reasonable Reinvestigations ( FCRA 611 ( a ) ) Experian relied solely on XXXX  XXXX 's contradictory certifications instead of conducting its own investigation, leading to the perpetuation of errors. 
Harm Caused by Experian 's Negligence Experian 's repeated failures have caused the following harms : Lower credit scores due to inaccurate reporting. 
Denial of credit opportunities, including loans and credit cards. 
Emotional distress and wasted time from repeated disputes and appeals. 
R e l e v a n t C a s e Law XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Credit reporting agencies must go beyond the furnisher 's certification and conduct independent investigations. 
XXXX. XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Disputes must be visible in reports accessible to third parties. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Agencies must provide detailed verification methods when requested. 
Requested Relief XXXX. Immediate Deletion of the XXXX XXXX Bank Account : Experian has failed to maintain accuracy or compliance. 
XXXX. XXXX XXXX of Reinsertions : Provide a detailed explanation of how the reinsertions in XXXX and XX/XX/XXXX were verified a n d certified XXXX. Confirmation of Compliance : Provide a corrected credit report and confirm removal of inaccurate data. 
XXXX. Compensation for Damages : Seek damages for harm caused under FCRA 616 and 617. 
XXXX. Implementation of Preventive Measures : Ensure stricter adherence to FCRA guidelines. 
Conclusion Experian 's repeated failures to enforce accuracy, conduct reasonable reinvestigations, and comply with FCRA requirements, combined with XXXX XXXX 's conflicting responses, demonstrate gross negligence. I urge the CFPB to hold Experian accountable and enforce compliance with federal law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX : XX/XX/XXXX Last XXXX of SSN : XXXX *note* I'm gon na have to upload documentation not seen here in this complaint over on Experian.com/upload as l 'm gon na be limited to the amount I can attach in this single complaint. 
It will be titled with the assigned complaint case number for this complaint.

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