Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
On XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX the ( living, sentient, breathing, natural man ), submitted a dispute to Experian for inaccurate information being furnished to my consumer report. said corporation is required to maintain " maximum accuracy '' as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). EXPERIAN failed to maintain compliance standards and to maintain reasonable procedures ensuring all information is at " Maximum Accuracy ''. Furthermore, Experian engaged in unfair acts and practices by using their ineffective system and flawed process to report information without first verifying said information. Which is their obligation to exercise their grave responsibilities with fairness, impartiality and respect the consumer 's right to privacy as mandated by the FCRA 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ). In a recent lawsuit brought against Experian by the CFPB ( Case 8:25-cv-00024 ), highlights some of the above mentioned violations and more from Experian. Experian failure to conduct proper investigation and to maintain maximum accuracy has undermine my interest in the banking system and has caused me tremendous stress. I have made several attempts to contact Experian to resolve this issue, but its agents are on a recorded line stating that " The FCRA does not apply to them, they are following their company 's policy ''. This is a false, misleading and deceptive act of practice. Which is a violation 15 U.S.C 1611. Experian has failed to included relevant information in its disputes from consumer to furnisher and fails to fulfill its reasonable obligations. 

Additionally, Experian frequently receives furnisher responses that contain data that is either illogical or facially and internally inconsistent, but it still accepts the furnishers response without further reinvestigation into the dispute. This is a violation of its obligation to conduct itself in a manner that is fair, equitable and to respect the consumers right to privacy as obligated under 15. U.S.C 1681 ( a ) ( 4 ). It was also mentioned in the lawsuit by the CFPB that Experian unilaterally alters information in the XXXX form to make it appear logical and consistent. Experian does not take steps to make sure the information is complete and accurate. 

A dispute about a hard inquiry may assert that the creditor or entity lacked a permissible purpose for accessing the consumer report and therefore the inquiry should not be reflected on the consumer report. For example, the FCRA requires Experian to maintain reasonable procedures to assure maximum possible accuracy of the credit information it reports, and to prevent reinsertion of previously deleted information. 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), 1681e ( b ).

I DEMAND IMMEDIATE DELETION OF ALL THE DISPUTE INACCURATE INFORMATION. as Experian has failed to conduct proper investigation and to follow reasonable procedures as it is obligated to do so by the FCRA 15 U.S.C. 1681e ( b ) SEE ATTACHED DOCUMENT. SEE ATTACHED DOCUMENT.

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