Consumer complaint received 2024-11-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Formal Complaint Regarding Misrepresentation and Inaccuracies in Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally address the ongoing inaccuracies and misrepresentation of information in my Experian credit report ( Report Number : XXXX, Date Generated : XX/XX/XXXX ). Despite my multiple efforts to request an investigation and reinvestigation into these inaccuracies, specifically concerning the XXXX XXXX  account ( Account Number : XXXX ), Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ). 

Background I have notified Experian on several occasions about the discrepancies in the reporting of the payment history associated with this account. For instance : Experian reports late payments starting in XXXX, while XXXX reports late payments beginning in XXXX. 
This discrepancy alone demonstrates that the information is not 100 % accurate as mandated by FCRA 15 U.S.C. 1681. Furthermore, Experian has neither provided proof of a proper investigation nor the documentation used to validate its findings, which constitutes a breach of their legal obligations.

Legal Basis for My Complaint Under FCRA, Experian is required to ensure that all information reported is accurate and complete : FCRA 15 U.S.C. 1681 ( i ) : Consumer reporting agencies must conduct a reasonable investigation of disputed information. If they can not verify the accuracy of the information, it must be corrected or deleted within 30 days. 
Definition of Investigative Consumer Report ( 15 U.S.C. 1681a ) : An investigative consumer report requires the gathering of information through personal interviews or reliable sources. Experian has not provided evidence of any such effort.

Misrepresentation and Consumer Protection : Misrepresentation, incomplete reporting, or deceptive practices by credit reporting agencies violate consumer rights. Courts have held agencies liable for such violations, as evidenced in cases like XXXX v. Experian ( XXXX ) and XXXX XXXX XXXX, XXXX  ( XXXX ). 
Specific Issues with Experians Handling of My Case Failure to Investigate Properly : Experian claims my account was verified as accurate, yet the discrepancies between their report and other credit agencies remain unaddressed. No documentation proving their investigation has been shared with me, despite my explicit request. 

Inaccurate Reporting : The payment history of this account remains inconsistent with other credit agencies, violating the FCRAs requirement for 100 % accuracy. 

Continuous Misrepresentation : Experians actionsor lack thereofconstitute a misrepresentation of my financial standing, which has caused me harm by impairing my ability to secure credit. 

Request for Resolution I demand the immediate deletion of the XXXX XXXX  account ( XXXX ) from my Experian credit report for the following reasons : Experian has failed to provide documentation proving the validity of its findings, including : Details of the investigation process. 
Names and employee numbers of individuals who validated the account information. 
Supporting documents or records used to validate the account. 
Experian has not corrected or deleted the inaccurate and incomplete information within the legally mandated 30-day period. 

If Experian can not provide the requested evidence to substantiate their findings, they must remove the account immediately to comply with FCRA provisions. 

Conclusion I urge the CFPB to intervene in this matter and hold Experian accountable for its failure to comply with federal laws. Experians actions reflect a violation of my consumer rights through false, misleading, and deceptive practices. If Experian continues to neglect its obligations, I am prepared to escalate this matter further to ensure compliance and seek additional remedies. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

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 explanation