Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
Dear CFPB, Claim # XXXX I am submitting this final dispute against Experian for their continued unlawful reporting, privacy breaches, and identity theft concerns regarding my XXXX XXXX XXXXXXXX account and personal information. 
Despite multiple disputes, Experian has failed to verify the legitimacy of this account, refuses to provide relevant information, and continues to manipulate my credit report with false and misleading details. Their deliberate misconduct is a direct violation of federal law, including : * The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( Failure to Investigate & Correct Errors ) * The Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( Illegal Charge-Off & False Balance Reporting ) * The Fair Debt Collection Practices Act ( FDCPA ) Unverified Debt & False Reporting * Unfair & Deceptive Practices ( 15 U.S.C. 45 FTC Act Violation ) * Privacy Violations Unauthorized disclosure and misuse of personal information 1. Ongoing FCRA & Privacy Violations by Experian * Failure to Verify Disputes & Misuse of Personal Information : * I have disputed this XXXX XXXX XXXX account since XX/XX/XXXX, yet Experian has failed to provide valid verification. 
* On XX/XX/XXXX, I received the results of my Experian dispute, report number XXXX. The investigation was completed within one day of my dispute being opened, which indicates a lack of proper investigation. The result stated " Remains. '' This result is unacceptable and contradicts the requirements of the FCRA.

* Instead of responding with proper documentation, they continue to send irrelevant information and avoid addressing my direct requests.

* Experian has also added unauthorized legal actions and personal statements to my credit report that did not come from me, further violating my privacy.

* Privacy Breaches, Identity Theft Concerns & Cease and Desist Violations : * Experian has evaded my privacy rights, ignored cease-and-desist requests, and mishandled my personal data.

* I suspect identity theft and data breaches as Experian has allowed unauthorized personal information to be reported.

* I demand the immediate removal of all unauthorized personal information, legal actions, and false statements from my credit report.

* Suppression of Credit Scores & Intentional Credit Damage : * After XXXX and XXXX removed the negative item, my credit score has barely increased, indicating potential suppression by Experian.

* I am requesting an immediate review of my score calculations to determine if unfair suppression tactics have been used to manipulate my creditworthiness.

2. Illegal Reporting of a Close
d XXXX XXXX  XXXX Account by Experian * False Charge-Off & Balance Reporting Credit Card Violations ( TILA & FCBA Violations ) : * This dispute concerns a closed XXXX XXXX  XXXX secured credit card account, which has been the subject of numerous previous disputes. Experian is required under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough investigation and verify the accuracy of the information reported on this account. All information relating to this account has been provided in previous disputes. 
* This was a secured credit card with a credit limit of {$300.00}, meaning XXXX XXXX XXXX already held a deposit to cover any potential default. 
* I have maintained an exemplary payment history on this account, with no late payments ever recorded. 
* The reported balance of {$150.00} is inaccuratethis account should reflect a {$0.00} balance after closure. 
* It is illogical and likely illegal to report a charge-off on a secured credit card. The purpose of the security deposit is to mitigate any potential loss. XXXX  XXXX XXXX reporting of a {$150.00} past due balance and a charge-off of {$450.00}, after the account was closed, is completely contradictory to the purpose of a secured credit card. 
* Reporting a charge-off balance on a secured credit card is unlawful under the Truth in Lending Act ( TILA ) and Fair Credit Billing Act ( FCBA ).

* Manipulation of Payment History to Extend Negative Reporting : * The payment history on this account has changed multiple times, extending derogatory marks past the legally allowed timeframe.

* This intentional misrepresentation violates the FCRA ( 15 U.S.C. 1681s-2 ) and constitutes credit suppression.

3. Demand for Immediate Deletion & Federal Investigation * I am demanding that Experian immediately delete the following : * The XXXX XXXX XXXX account from my credit report. 
* Any unauthorized legal actions, personal statements, or false information added to my credit file. 
* Any suppressed scoring adjustments that are unlawfully preventing my credit score from reflecting its true value.

4. Request for Federal Trade Commission ( FTC ) Involvement * I have already filed a complaint with the District Attorneys Office regarding this ongoing fraudulent and deceptive reporting. I am now requesting that the Federal Trade Commission ( FTC ) intervene and take direct enforcement action against XXXX XXXX XXXXXXXX and Experian for their violations of federal law. 
* I request that the CFPB refer this matter to the FTC for further investigation. 
* What are the next steps to escalate this case with the FTC and other regulatory bodies? 
5. Next Steps if CFPB Fails to Enforce Compliance * If this issue is not corrected within 10 business days, I will escalate further by : * Filing a formal complaint with the Federal Trade Commission ( FTC ) and demanding enforcement action.

* Submitting additional evidence to the Office of the District Attorney.

* Initiating legal action for damages under FCRA, FDCPA, and TILA violations.

* I am requesting {$5000.00} in compensation, which includes the significant financial losses and emotional distress caused by Experian 's willful non-compliance and inaccurate reporting. This amount also accounts for the extensive time and resources I have expended attempting to correct these errors, including the cost of certified mail, gas for travel, and the time spent gathering documentation and corresponding with Experian. I am also planning to file a police report regarding the identity theft concerns, and I will be adding those costs to my request for compensation as well.

* I expect written confirmation from Experian immediately upon deletion and a formal response from the CFPB regarding the next steps for escalation.

* This is a final request, and failure to comply will result in legal consequences.

6. Pattern of Misconduct and Legal Precedents * " Experian 's actions in this case are not isolated incidents but reflect a broader pattern of misconduct and violations of the Fair Credit Reporting Act ( FCRA ). Legal precedents and regulatory actions demonstrate a history of similar violations by Experian. '' " Specifically, there are numerous cases where Experian has been found to have violated the FCRA by failing to conduct reasonable investigations of consumer disputes. These cases often highlight Experian 's practice of relying on automated systems and simply relaying information from furnishers without independent verification, which directly aligns with Experian 's rapid 'Remains ' response in my case. Courts have emphasized the bureaus ' obligation to ensure 'maximum possible accuracy ' of reported information, a standard they have repeatedly failed to meet. Ramirez v. XXXX XXXX, 595 U.S. ___ ( 2021 ), and numerous class action settlements highlight this pattern. '' " Furthermore, there are many instances where Experian has reported inaccurate information on closed accounts, and has failed to properly update or remove information after an account is closed. This pattern of inaccurate reporting, especially regarding closed accounts, further supports my claim that the reporting of a charge off on a closed secured account is improper and inaccurate. Consumer lawsuits have shown instances of this ongoing problem with Experian. '' " The Consumer Financial Protection Bureau ( CFPB ) has also taken enforcement actions against Experian for various violations, including failing to implement reasonable procedures to ensure accuracy and failing to properly investigate disputes. Consent orders and fines imposed by the CFPB demonstrate a regulatory recognition of the systemic problems within the credit reporting industry regarding Experian. '' " The state of California, among other states, has actively pursued legal action against Experian for unfair and deceptive practices. Lawsuits filed by the California Attorney General, for example, underscore the widespread nature of the alleged violations in my case regarding Experian. '' " These legal precedents and regulatory actions provide compelling evidence that Experian has a history of failing to comply with the FCRA and engaging in unfair practices. Therefore, I urge the CFPB to take immediate and decisive action to address these violations and ensure that my credit report is corrected. '' Sincerely, XXXX XXXX

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