Consumer complaint received 2025-01-04 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:
I am filing this formal complaint against XXXX XXXX ( " XXXX '' ) and Experian Information Solutions , Inc. ( " Experian '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCCPA ) pertaining to the inaccurate reporting of four XXXX accounts on my Experian credit report. These inaccuracies have caused significant harm to my creditworthiness, financial stability, and emotional well-being.

Upon reviewing my Experian credit report dated [ Insert Date ], I identified the following violations across four XXXX accounts : XXXX Account 1 FCRA Violations : Section 607 ( b ) : Inaccurate reporting of the Date of First Delinquency and balance details.

Section 611 ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation after disputes were submitted.

Section 605 ( a ) : Retention and reporting of obsolete charge-off information beyond permissible timeframes.

Section 611 ( d ) : Failure to include a dispute notation in subsequent credit reports.

FDCCPA Violations : Section 807 ( 2 ) : Misrepresentation of the character, amount, or legal status of the debt.

Section 808 : Unfair practices by reporting misleading charge-off details. 

XXXX Account 2 FCRA Violations : Section 607 ( b ) : Reporting inaccurate payment history and delinquency timelines.

Section 611 ( a ) ( 5 ) ( B ) : Reinsertion of deleted information without proper certification.

Section 611 ( d ) : Failure to indicate the disputed status of the account.

Section 605 ( a ) : Reporting unverifiable or outdated data.

FDCCPA Violations : Section 807 ( 5 ) : Misrepresentation of the delinquency status.

Section 807 ( 8 ) : Communicating false credit information to third parties. 

XXXX Account 3 FCRA Violations : Section 607 ( b ) : Failing to maintain accuracy in reported charge-offs and payment history.

Section 611 ( a ) ( 1 ) : Ignoring or inadequately investigating disputes.

Section 611 ( a ) ( 5 ) ( B ) : Reinserting deleted information without verifying its accuracy.

FDCCPA Violations : Section 807 ( 2 ) : Misrepresentation of the legal status of the debt.

Section 808 : Employing unconscionable practices, such as retaining incorrect balances. 

XXXX Account 4 FCRA Violations : Section 607 ( b ) : Reporting inaccurate details related to charge-offs, payments, or balances.

Section 605 ( a ) : Failing to remove outdated or obsolete information.

Section 611 ( d ) : Omitting the dispute status after being notified.

Section 611 ( a ) ( 1 ) : Failing to perform a reasonable investigation.

FDCCPA Violations : Section 807 ( 10 ) : Using deceptive practices to collect alleged debt.

Section 808 : Reporting false information to exert pressure.

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