Consumer complaint received 2024-02-18 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: KS

Complaint narrative:
I am writing this formal complaint against Experian and XXXX XXXX to bring to your attention the persistent and unresolved issues related to inaccuracies in my credit reports. Despite submitting multiple dispute letters pointing out account errors, Experian and XXXX XXXX has failed to correct or delete the inaccurate information, as mandated by federal law. 

I have attached copies of the dispute letters I submitted along with the corresponding documentation supporting the accuracy of the disputed items. These documents clearly demonstrate that the information reported by Experian and XXXX XXXX is incorrect and in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA stipulates that credit reporting agencies must ensure the accuracy of the information they furnish and maintain. Section 607 ( b ) of the FCRA explicitly states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, if a consumer disputes the accuracy of any information on their credit report and provides supporting documentation, the credit reporting agency is obligated to investigate and correct any inaccuracies within 30 days. 

It is disconcerting that Experian and XXXX XXXX has not adhered to these legal obligations, and as a result, my credit report continues to reflect inaccurate and damaging information. I believe Experian and XXXX XXXX are in violation of the FCRA, and this persistent negligence has significant consequences for my financial standing and creditworthiness. 

I would like to draw your attention to the potential legal consequences Experian and XXXX XXXX may face for knowingly reporting false information. According to the FCRA, individuals who willfully fail to comply with the requirements of the Act may be liable for civil penalties, with costs ranging from {$100.00} to {$1000.00} per violation. Moreover, Section 616 of the FCRA allows individuals to pursue damages in a private lawsuit for willful noncompliance, including punitive damages, attorney 's fees, and court costs. 

I request that the XXXX XXXX XXXX investigate this matter thoroughly and take appropriate action to ensure that Experian and XXXX XXXX corrects the inaccuracies in my credit report as required by law. I also urge the XXXX  to consider the legal consequences Experian and XXXX XXXX may face for their willful noncompliance with the FCRA. 

Thank you for your attention to this matter. I trust that the XXXX  XXXX XXXX will take prompt and effective action to rectify this situation and hold Experian and XXXX XXXX accountable for their violations.

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