Consumer complaint received 2025-06-03 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:
Subject : Formal Complaint Violations of FCRA and XXXX by [ Credit Bureau Name ] To the Consumer Financial Protection Bureau ( XXXX  ) : I am filing this complaint regarding ongoing violations of my consumer rights under the Fair Credit Reporting Act ( XXXX  ) and the Truth in Lending Act ( XXXX  ) committed by Experian. 
Despite multiple written disputesLetter XXXX dated [ XX/XX/year> ] and XXXX XXXX dated [ XX/XX/year> ] the credit bureau has failed to fulfill its legal responsibilities in investigating and verifying disputed information. 

Nature of the Complaint : I have disputed the accuracy and validity of the following account ( XXXX ), which remain on my credit report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX CARD SERVICES Account Number : XXXX Account Name : XXXX CARD SERVICES Account Number : XXXX Account Name : XXXX CARD SERVICES Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XXXX BANK XXXX Account Number : XXXX Account Name : XXXX/XXXX  PLCC Account Number : XXXX Account Name : XXXX Account Number : XXXX The accounts continue to reflect inaccurate and unverified information, despite being formally disputed twice. 

Legal Basis for Complaint : Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX U.S.C. XXXX Failure to Conduct a Proper Reinvestigation The bureau did not provide an adequate description of the reinvestigation process as required by law. 

XXXX. XXXX U.S.C. XXXX ( b ) Failure to Ensure Maximum Possible Accuracy The information reported does not meet the standard of accuracy required under the FCRA. 

XXXX. XXXX U.S.C. XXXX ( XXXX ) Impermissible Purpose The information reported may have been shared or retained without a legally permissible purpose. 
XXXX. 
XXXX. XXXX U.S.C. XXXX ( XXXX ) Violation of Privacy Rights The ongoing reporting of this account violates my right to privacy under federal law. 

XXXX. XXXX U.S.C. XXXX ( XXXX ) Failure to Provide Investigation Summary I have not received a summary of the investigation process within the XXXX window, as required. 

XXXX. XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) Verification Failure I am invoking my right to demand physical proof of the original signed contract related to this account. Failure to produce this documentation constitutes a breach of verification standards. 

Violations of the Truth in Lending Act ( XXXX ) : XXXX. Failure to Provide Accurate and Timely Disclosures Experian failed to provide accurate disclosures regarding the status of the account in accordance with the TILA. 

XXXX XXXX XXXX Violations : XXXX XXXX, XXXX XXXX This bureaus repeated failures to verify and correct information indicate systemic violations of federal consumer protection laws. 

Public Law XXXX, XXXX VI, Section XXXX ( Subsections AD ) The process used did not comply with federal requirements for removing inaccurate or unverifiable information.

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