Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX XXXX : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX XXXX  XXXX, XXXX XXXX 
P.O. XXXX XXXX XXXX, TX XXXX To Whom It XXXX Concern, This correspondence serves as a formal demand regarding systemic and ongoing violations of federal consumer protection laws by XXXX XXXX XXXX XXXX, a consumer reporting agency within the jurisdiction of the Consumer Financial Protection Bureau. The conduct described herein establishes violations of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act ( XXXX XXXX XXXX et seq. ), the XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX et seq. ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX et seq. ). 

XXXX XXXX  has engaged in the unlawful practice of designating consumer disputes as potential fraud without conducting a legally compliant reinvestigation, without furnishing written results, and without providing the disclosures mandated under federal law. Such conduct constitutes both willful and negligent noncompliance with multiple statutory provisions. 

Under the FCRA, violations include but are not limited to : Section XXXX ( a ) ( XXXX ) ( B ) ( failure to provide reinvestigation results, method of verification, and notice of consumer rights ) ; Section XXXX ( a ) ( XXXX ) ( B ) ( i ) ( failure to review and consider all relevant evidence and reliance on automated matching ) ; Section XXXX ( a ) ( failure to issue adverse action notices with reasons and required disclosures ) ; and Section XXXX ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy and failure to implement proper identity verification protocols ). 

Under the XXXX, violations include failure to implement adequate identity theft red flag procedures ( Section XXXX ) and failure to provide consumers with a complete summary of rights and dispute procedures ( Section XXXX ). 

Under the FDCPA, violations include failure to provide debt validation within the statutory period ( Section XXXX ( a ) ), continued reporting of disputed debts without verification, false and unsubstantiated allegations of fraud ( Section XXXX ), misrepresentation of the legal status of accounts, and use of unfair practices not authorized by law ( Section XXXX ). 

Under the XXXX, violations include failure to investigate reported errors within required timeframes, failure to provide provisional credit during investigations, and use of inadequate error resolution procedures ( Section XXXX ). 

Under the XXXX, violations include failure to acknowledge billing error disputes within XXXX  days, failure to resolve such disputes within XXXX billing cycles, and continuation of adverse reporting during the dispute period ( Section XXXX ). 

Furthermore, the XXXX XXXX XXXX XXXX XXXX XXXX under XXXX XXXX. XXXX and XXXX is directly implicated. The pattern of violations by XXXX XXXX reflects unfair, deceptive, and abusive acts and practices that warrant civil investigative demands, a comprehensive compliance examination, and enforcement proceedings.

Company response to consumer: Closed with explanation