Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally address the ongoing issues with my credit report dispute, which remain unresolved despite multiple attempts to resolve the matter. Specifically, I submitted dispute information to Experian via the CFPB Complaint Portal on the following dates : XXXX, XXXX, XXXX, XXXX, and XXXX. Unfortunately, the issues raised in my dispute have yet to be appropriately addressed. 

Experian 's Failure to Properly Investigate Dispute : On XXXX, I received a communication from Experian requesting more specific information regarding the dispute. However, if the dispute had been adequately investigated when initially submitted, Experian would have resolved the matter without requiring additional details. The issue was clear from the outset, and Experian should have investigated and ceased reporting the disputed information as required by law. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : If Experian is acting as a debt collector in the context of reporting negative or disputed information, I must remind you that Experian is required to follow the rules outlined in the FDCPA. This includes ensuring proper debt validation, avoiding deceptive practices, and handling disputes in accordance with the law. 

Experian 's failure to : Ensure Proper Debt Validation Failure to provide adequate proof of debt, or to verify the accuracy of the information being reported. 
Investigate the Dispute in a Timely Manner Experian has failed to investigate my dispute promptly despite clear evidence and repeated submissions. 
Remove Unverified or Outdated Information The failure to remove unverified or outdated information from my credit report constitutes a violation of the FDCPA. 
Provide an Adequate Dispute Process The repeated requests for additional documentation and delays are unreasonable and go against the FDCPA guidelines. 
Possibly Mishandling My Personal Data Experian 's failure to protect and maintain my data in a secure and efficient manner is a cause for concern. 
Negligence and Willful Non-Compliance : Experian 's actions or lack thereof demonstrate negligence and willful non-compliance with both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following violations of these statutes have occurred : FCRA Violations : Section 607 ( b ) of the FCRA : Reporting inaccurate information on my credit report.

Section 611 of the FCRA : Failing to correct or remove inaccurate or incomplete information after I disputed it.

Section 605 of the FCRA : Failing to remove outdated or unverifiable information from my report.

Section 607 ( a ) of the FCRA : Reporting information that does not comply with FCRA standards.

Section 611 of the FCRA : Failing to investigate my dispute properly and provide a response in a timely manner.

Section 604 of the FCRA : Sharing my credit report information without my consent or without a legitimate need.

Section 609 of the FCRA : Failing to provide me with a copy of my report or the sources of the disputed information upon my request.

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