Consumer complaint received 2025-01-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXXXXXX Subject : Complaint Regarding Experian 's Failure to Comply with the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to properly investigate disputes and inaccuracies in my credit report. I believe that Experians actions mirror the allegations made by the CFPB in the recent lawsuit against the company, which claims Experian does not adequately investigate disputes or removes errors from credit reports, threatening consumers ' access to credit, housing, and employment.

Background : I have filed multiple dispute letters with Experian regarding inaccuracies on my credit report ( provide specific dates and details of the disputes ).

Despite submitting documentation supporting my claims and giving them ample time to investigate, Experian has failed to : Properly investigate and correct these errors in a timely manner ( refer to 15 USC 1681i ( 5 ) ).

Remove outdated or inaccurate information from my credit report as required ( refer to 15 USC 1681c ( c ) ).

Maintain reasonable procedures to ensure the accuracy of information in my credit report ( 15 USC 1681e ( b ) ).

Follow the correct procedures in notifying me of the results of their investigation and provide me with the necessary information to verify the accuracy of the information being reported ( refer to 15 USC 1681s-2 ). 

Details of the Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$830.00} -in violation of 15 USC 1681b and FCRA ( permissible purposes ) -Also reported as a charge off which is certificate of indebtnesss and considrered income and can not be reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in violation reporting 6 Charge offs which is considered certificate of indebtedness which is income and can not be reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$830.00} in violation of 15 USC 1681b and FCRA permissible purposes +US Department of Education ACCOUNT : XXXX Amount : {$10000.00}. reported twice on report in two separate amounts with the same account.

-in violation of Privacy Act of 1974 and FERPA. According to FERPA ( 20 U.S.C. 1232g ), educational institutions are prohibited from disclosing personally identifiable information ( PII ) from student records, including student loan details, without the consent of the student. This includes reporting such information to third-party credit bureaus without my explicit consent.

Additionally, under the Privacy Act of 1974, any record of personally identifiable information held by a government agency or institution must be disclosed only in accordance with proper regulations. As such, the unauthorized reporting of my student loan to the credit bureaus constitutes a violation of these laws, unless I provided specific consent for this reporting.

-Dispute sent vis MAIL on XX/XX/XXXX with no response -EXPERIAN failed to update and delete information.

Impact : As a result of Experian 's actions, my credit report continues to reflect inaccurate information, which has negatively affected my credit score and my ability to secure credit, housing, and employment.

Given the CFPBs recent lawsuit against Experian for similar violations, I am requesting that you investigate my case as part of your ongoing efforts to hold Experian accountable for their actions. I would also like to receive confirmation that the inaccuracies on my credit report are being corrected in compliance with the FCRA.

Please feel free to contact me at XXXX if you need additional documentation or further details. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX I have filed oadditional disputes about refrenced account on the website which need to be investigated as well.

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