Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
I have spoken with several Experian representatives in customer service, the fraud department and escalations regarding the negative and harmful items being reported on my credit report controlled by their agency. On XXXX I called Experian for the XXXX time requesting that XXXX accounts XXXX XXXX XXXX are reporting be removed from my credit report. The representative told me they would not remove anything from my report and they could only dispute the items and allow the company to respond. I told them I've already disputed these items in the past and their investigation took less than 3 days before reporting the debt as valid. Experian has repeatedly not taken appropriate steps to validate debt disputed by consumers. Their investigations are done within a week in comparison to other credit agencies which take almost 30 days to thoroughly and accurately look into the consumers dispute. On XX/XX/XXXX I gave the Experian rep the reasons notated below for removal. Although this is MY credit report and I shouldn't have to list out any reasons at all, I still provided these point : XXXX. Under the Privacy Law of XXXX and under the XXXX XXXX XXXX, any authorization that the debt collector believes they have, they no longer have and the items I'm requesting needs to be removed. These need to be removed according to the law within 4 days. XXXX. Charge offs are income. XXXX says no income can be reported on your consumer credit XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( i ) no transaction or experiences can be reported. XXXX is transaction and experience. Once the original creditor charges off the debt, they have forfeited all their rights to collect the debt from me XXXX XXXX ( a ) ( XXXX ) no consumer reporting agency XXXX make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. XXXX statute of limitations for Texas XXXX XXXX XXXX XXXX any debt older than 3 years in considered zombie debt. These debts are XXXX XXXX XXXX. Experian has an article published on their website dated XX/XX/XXXX entitled " What is XXXX XXXX '' recognizing zombie debt and how harmful it can be to a consumers life. This article discusses option to handle Debts that exceeded their statute of limitations ( the period in which you can be sued for the total debt ). Portfolio recoveries has sold XXXX of my debts to XXXX XXXX XXXX XXXX ATTORNEY and refuses to speak with me about the debt and says I have to contact the attorney to get more information. 5. 15 U.S. Code 1681a ( d ) ( 2 ) ( i ) Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Experian has already been sued for violation 15 USC 1681e ( b ) compliance procedures accuracy of reporting. According with the law my consumer report shall be prepared with MAXIMUM ACCURACY.

The CFPB has sued Experian for not properly investigating disputes and failing to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.

Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 

REMEDY : Experian needs to pay the maximum fine for violations. Experian needs to remove both accounts in collections from XXXX XXXX XXXX XXXX XXXX portfolio services

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