Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
: Subject : Formal Complaint Against Experian for Willful Non-Compliance with the FCRA, FDCPA, and Other Applicable Regulations To Whom It May Concern, I am submitting this complaint to formally document Experians willful non-compliance with federal statutes, including the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) rules, and other applicable guidelines. I demand immediate action to address the following concerns : XXXX. Failure to Provide Method of Verification Despite my repeated requests and demands, Experian has failed to furnish the legally mandated method of verification for a disputed tradeline associated with XXXX XXXX. Instead, Experian marked the dispute as verified and updated without conducting a reasonable investigation, as required under 15 U.S.C. 1681i ( a ) ( 1 ).

This lack of transparency and failure to comply with 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) has obstructed my right to dispute and verify the accuracy of information. I demand immediate provision of the method of verification or deletion of this fraudulent tradeline. 

XXXX. Acceptance and Reporting of Fraudulent Tradeline by XXXX XXXX XXXX Experian has also accepted and reported an account from XXXX XXXX XXXX, which is fraudulent. I have never had any business dealings, agreements, or correspondence with XXXX XXXX XXXX, nor have I been notified of any alleged debt by them, as required by law under 15 U.S.C. 1692g of the FDCPA. 

The tradeline claims : The account originated on XX/XX/2024, I am XXXX months behind on payments, and I have been in a financial relationship with them since that time. 

This fraudulent tradeline has significantly and adversely impacted my creditworthiness. XXXX acceptance of this account without verifying its legitimacy demonstrates gross negligence in its investigation process and violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure maximum possible accuracy. 

XXXX. False Claims Act Violation : Fraudulent Reporting by XXXX Additionally, XXXX  fraudulently submitted a claim of debt to XXXX XXXX XXXX despite entering into a verbal agreement with me. Under that agreement, the return of a XXXX device would eliminate any further obligations. This agreement was honored on my end. 

XXXX actions, including the fraudulent debt submission, stem from deceptive practices and potentially violate the False Claims Act by submitting false information to a third party, ultimately harming my credit. 

XXXX. Experians Mishandling of My Dispute Experian updated and verified this dispute without conducting a proper investigation or providing documentation as required by law. Furthermore, the unauthorized adjustment of my dispute by Experian constitutes willful non-compliance with 15 U.S.C. 1681i. 

Demands XXXX. Immediate Deletion of Fraudulent Tradelines XXXX XXXX XXXX XXXX XXXX XXXX. Provision of the XXXX of XXXX Experian must furnish the specific method of verification used for the XXXX XXXX tradeline. 
XXXX. Restoration of My Creditworthiness The inaccurate and fraudulent information reported by Experian has caused severe damage to my credit score and financial reputation. I demand prompt corrective action. 
XXXX. Investigation into XXXX Compliance Practices I request the CFPB investigate XXXX systemic failure to comply with federal guidelines regarding dispute handling, accuracy, and verification. 

XXXX. Investigations into why Im unable to initiate disputes online. 

Supporting Documentation I am prepared to provide supporting documentation, including correspondence, records of disputes, and any evidence of my verbal agreement with XXXX, if required. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that corrective actions are being taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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