Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am filing this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by Experian. 

Despite previous requests to rectify these issues, these violations continue to negatively impact my credit report and financial standing. 

Details of the Complaint : Failure to Ensure Maximum Possible Accuracy The FCRA requires credit bureaus and creditors to ensure the accuracy of the information they report. My credit report contains inaccurate entries furnished by Experian, and these negative accounts are XXXX XXXX XXXX, which remain unverified despite being formally disputed, causing significant harm to my credit score and credibility. Previous attempts to correct these inaccuracies have been mishandled, demonstrating a failure to comply with the accuracy standards set forth by the FCRA.

Inadequate Investigation and Reliance on Automated Verification Systems Under the FCRA, 15
U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations into disputed information. However, my previous disputes have received automated responses through systems like e-OSCAR, which fail to meet the legal requirements for a complete investigation. This approach bypasses a comprehensive review of the questioned data, thereby perpetuating inaccurate information on my report. 

Failure to Comply with Truth in Lending Act ( TILA ) Requirements As stipulated by TILA, creditors must issue clear and accurate billing statements and disclose essential account information to the consumer. Experian has failed to meet these requirements in managing my account, resulting in erroneous charges and inaccurate reporting. This non-compliance has compounded the inaccuracies in my credit history, further violating my rights as a consumer. 

Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA establishes that debt collectors and data furnishers must report accurate and verifiable data. The accounts in question have been repeatedly reported incorrectly, with misleading information that has not been corrected despite my disputes, which constitutes a violation of the protections granted by the FDCPA.

In accordance with the FCRA, specifically : 15 U.S.C. 1681a ( 4 ) : Protects my right to privacy by ensuring that credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details the permissible purposes for accessing my credit report, indicating that only authorized parties may access this information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

I also invoke 15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 15 U.S.C. 609 ( a ) ( 2 ) to demand the removal of the information and to require proof of its verification.

Section : Per FCRA, Section 609 ( a ) ( 1 ) ( A ) You are required by federal law to verify, through the physical verification of the original contract signed by the consumer, any account you post on a credit report. Otherwise, anyone paying for your reporting services could submit a fraudulent account via fax, mail, or email.

RELEVANT CASE LAW Cortez v. Trans Union, LLC, 617 F.3d 688 ( 3d Cir. 2010 ) : Held credit bureaus liable for failing to conduct adequate investigations into consumer disputes. Dennis v. BEH-1, LLC : Reinforces the importance of reasonable verification procedures required by the FCRA.

Henson v. CSC Credit Services, 29 F.3d 280 ( 7th Cir. 1994 ) : Established the clear obligation to verify and correct erroneous information during disputes.

Dalton v. Capital Associated Industries, Inc. : Emphasizes the need to follow reasonable procedures to ensure maximum possible accuracy.

Philbin v. Trans Union Corp. : Highlights the liability of agencies for failing to apply reasonable procedures in the face of disputes.

Cushman v. Trans Union Corp. : Emphasizes that a reasonable investigation must be conducted and not rely solely on automated systems.

Guimond v. Trans Union Credit Information Co. : Addresses the liability for correcting inaccurate information and the consumer 's right to remedies.

Pinner v. Schmidt : Reaffirms the duty to promptly correct inaccurate, incomplete, or unverifiable information.

Jones v. Experian Information Solutions : Examines the consequences of failing to delete or correct inaccurate information following a dispute.

IN THIS CASE FCRA PROVISIONS 15 U.S.C. 1681h Conditions and Form of Disclosures to Consumers : Agencies must provide clear and accurate information, including their sources, upon the consumer 's request.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Reinvestigation of Disputed Information : Mandates a reasonable reinvestigation if the consumer disputes the accuracy of any item, typically within a 30-day period.

15 U.S.C. 1681i ( a ) ( 5 ) Treatment of Inaccurate or Unverifiable Information : Requires the deletion or modification of information found to be inaccurate or that can not be verified, and notification to the data furnisher.

15 U.S.C. 1681g ( c ) Summary of Consumer Rights : Agencies must provide a summary of rights with each credit report, including an explanation of rights under the FCRA.

15 U.S.C. 1681l Restrictions on Investigative Consumer Reports : Limits the content and requires that any investigative process comply with consumer protection standards.

15 U.S.C. 1681p Jurisdiction of Courts ; Limitation of Actions : Establishes the statute of limitations for filing lawsuits for violations, which underscores the urgency of my claims.

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