Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this complaint regarding ongoing violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian and XXXX. Despite my previous disputes submitted on XX/XX/year>, and XX/XX/year>, regarding inaccurate information reported for my XXXX XXXX  account, no corrective action has been taken. The continued failure to validate, investigate, and correct the inaccuracies demonstrates a disregard for the obligations mandated by federal law. 

Reasons for Complaint : Violation of the FCRA : Investigation Requirements ( 15 U.S.C. 1681i ) : The credit bureau failed to conduct a reasonable investigation into the disputed XXXX XXXX  account as required. No sufficient description of the investigation process was provided, violating my rights under this section.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The reporting of this account does not comply with permissible purposes under the FCRA, as the account status remains inaccurate and unverifiable. 
Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of the inaccurate charge-off infringes upon my privacy rights by failing to follow proper procedures for handling sensitive consumer data.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received a sufficient explanation of the steps taken during the investigation or the evidence used to verify the accuracy of this account.

Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I invoke these provisions to demand proof of verification or immediate deletion of the XXXX XXXX account due to non-compliance with federal law. 
Violation of the TILA : Disclosure Requirements : The credit bureau failed to provide accurate and timely disclosures regarding the status of the XXXX XXXX  account, violating my rights under the Truth in Lending Act. 
Inaccurate Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Inaccuracies Across Bureaus : XXXX XXXX Account Status : Derogatory High Credit : {$840.00} Past Due : {$840.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/year> Comments : Charged off as bad debt, profit and loss write-off. 
Experian : Account Status : Derogatory High Credit : {$0.00} Past Due : {$840.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/year> Comments : Charged off as bad debt, profit and loss write-off. 
Evidence of Errors : Discrepancies in reported high credit and payment history across bureaus. 
Failure to validate the account details and provide proof of accuracy. 
Continued reporting of the charge-off status despite lack of substantiation following disputes. 
Federal Consumer Protections Violated : Title 15, Chapter 41 : The credit bureau has failed to provide adequate proof of the accuracy of the XXXX XXXX  account, indicating violations of federal consumer protection laws. 
Public Law 91-506, Title VI, Section 611 ( Subsections A-D ) : The procedures for removing inaccurate or incomplete information from my credit report were not followed. 
Immediate Action Requested : Delete the XXXX XXXX  Account : Account Number : XXXX Provide a detailed description of the investigation process and evidence used to verify the accuracy of this account. 
Failure to comply with this request will result in escalation to further legal channels. 
Thank you for your prompt attention to this matter. 
Sincerely, 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