Consumer complaint received 2025-04-12 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 LA, XXXX XXXX XX/XX/XXXX Experian Chief Privacy XXXX Compliance Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Re : Request for Removal of Accounts Due to XXXX XXXX XXXX Compliance Violations Accounts : XXXX. XXXX  # XXXX XXXX. XXXX XXXX # XXXX  To Whom It XXXX Concern : This letter serves as a formal dispute of the XXXX  account ( # XXXX ) and XXXX XXXX account ( # XXXX  ) currently appearing on my Experian credit report. I am requesting immediate removal of these accounts based on multiple violations of XXXX XXXX Format reporting requirements, the Fair Credit Reporting Act ( FCRA ), and associated regulations. Please consider this a direct dispute under Section 623 ( a ) ( 8 ) of the FCRA. 

# # XXXX Violations # # # XXXX  Account ( # XXXX ) XXXX. **Improper Implementation of Dispute Status ( XB Code Violation ) : ** The account is labeled as " under dispute '' in the comment section, yet it continues to report as an active collection with a full balance of {$1000.00}. According to the XXXX XXXX XXXX XXXX ( XXXX ) published by the XXXX XXXX XXXX XXXX ( XXXX ), disputed accounts must be reported with the " XB '' Compliance Condition Code. While the dispute comment appears, the balance reporting does not reflect the disputed status as required by XXXX XXXX XXXX guidelines. 

XXXX. **Continued Collection Status During Active Dispute : ** Despite acknowledging the dispute in comments, the payment history continues to show consistent " C '' ( Collection ) status markers even after the dispute was initiated. This contradicts XXXX XXXX Format requirements regarding how disputed accounts should be reported during investigation periods. 

# # # XXXX XXXX Account ( # KRHYMBXXXXXX ) XXXX. **Improper Implementation of Dispute Status ( XB Code Violation ) : ** This account is also labeled as " under dispute '' yet continues to negatively impact my XXXX XXXX. The account shows as opened on XX/XX/XXXX with a status of " XXXX, XXXX late '' but is still reporting under dispute in XX/XX/XXXX, with a notation that " This item was updated from our processing of your dispute in XXXX XXXX. '' XXXX. **Extended XXXX XXXX : ** The account is scheduled to remain on my record until XX/XX/XXXX - an excessive timeframe that does not comply with standard reporting periods, especially for an account that is paid and closed with no late payments. 

XXXX. **Continuing XXXX XXXX Impact Despite Dispute Status : ** The account continues to negatively affect my XXXX XXXX despite being under dispute and having a " Paid, Closed/Never late '' status, which violates the requirement that disputed information should not be factored into credit scores during the investigation period. 

# # Recent Relevant Legal Action I would like to bring to your attention that on XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian alleging multiple violations of the FCRA, including : - Failing to properly conduct reinvestigations of disputed information in consumer credit files- Failing to delete inaccurate, incomplete, or unverified information - Failing to prevent improper reinsertion of previously deleted information - Failing to convey consumers ' disputes to furnishers fully and accurately The lawsuit specifically addresses Experian 's practice of " relying excessively on furnishers to resolve disputes '' without conducting proper independent investigations. This appears to be occurring in my case, as the dispute notice is present but proper XXXX XXXX reporting protocols are not being followed. 

# # Damages Incurred As a direct result of these reporting violations and the continued inaccurate reporting of these disputed accounts, I have experienced significant financial and emotional harm : XXXX. **Reduced XXXX XXXX : ** My XXXX XXXX has been negatively impacted by these improperly reported accounts, particularly the XXXX XXXX account which shows as " XXXX, XXXX late '' yet is still negatively affecting my score while under dispute. 

XXXX. **Denial of Credit : ** I have been denied credit opportunities that would otherwise be available to me due to these accounts appearing on my report in violation of proper XXXX XXXX reporting procedures. 

XXXX. XXXX XXXX XXXX : ** I have been forced to accept less favorable terms on loans and credit due to these improper reporting practices. 

XXXX. **Emotional Distress : ** The frustration and anxiety of dealing with these improperly reported accounts has caused significant stress, particularly given that XXXX account ( XXXX XXXX ) is shown as paid with no late payments yet still negatively impacts my credit. 

The improper reporting of these disputed accounts has materially impacted my financial wellbeing and opportunities. Under the FCRA, I am entitled to seek actual and statutory damages for these violations. 

# # Legal Intent Be advised that I am prepared to pursue this matter in court should you fail to adequately address these violations. Under the FCRA, I am entitled to seek {$1000.00} for each separate violation as statutory damages, in addition to any actual damages incurred. Based on the multiple violations outlined above for XXXX separate accounts, this could result in significant liability. 

I have documented all communications and evidence related to these improperly reported accounts, including screenshots showing the disputed status and continued improper reporting. These will be presented as evidence should legal action become necessary.

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