Consumer complaint received 2024-11-22 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: NV

Complaint narrative:
I am filing this complaint against Experian for the improper reporting of several negative items on my credit report. These include accounts from the following entities : XXXX XXXX XXXX ( Account XXXX XXXXXXXX ), XXXX XXXX XXXX ( Account # XXXX )XXXX XXXX XXXX XXXXXXXX  ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Accounts # XXXX and # XXXX ), XXXX XXXX XXXX XXXX ( Account # XXXX ), XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX )XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX and # XXXX ), XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXXXXXX XXXX Account # XXXX ), XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Accounts # XXXX, # XXXX, and # XXXX ), XXXX XXXX XXXX Account # XXXX ), and XXXX XXXX XXXX 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681 et seq., to dispute the accuracy and completeness of these items. Under FCRA Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate or unverifiable information, and Experian, as a credit reporting agency, has a duty to conduct a reasonable investigation within 30 days of receipt of a dispute.

Experian has failed to meet its obligations under the FCRA in the following ways : Failure to Verify Accuracy : Experian is reporting these accounts without providing verifiable evidence of their validity. Under FCRA Section 611 ( a ) ( 5 ) ( A ), if an item can not be verified, the credit reporting agency must promptly delete or correct the information.

Lack of Reasonable Investigation : Under FCRA Section 607 ( b ), Experian is required to maintain maximum possible accuracy in the information it reports. Several of these items are outdated, unverifiable, or inconsistent with my records, indicating a failure to conduct reasonable investigations.

Failure to Notify Furnishers : FCRA Section 623 ( a ) ( 1 ) ( B ) requires credit reporting agencies to notify furnishers of information when a dispute is raised. I have no evidence that Experian has properly notified these furnishers or ensured compliance with the law.

Experians failure to comply with its obligations under the FCRA constitutes a direct violation of consumer protection laws. Should Experian fail to resolve these inaccuracies or continue to report unverifiable information, I reserve the right to escalate this matter by filing additional complaints with the Federal Trade Commission and state regulators, as well as initiating legal action under FCRA Sections 616 and 617, which provide for statutory damages, punitive damages, and attorneys fees for willful or negligent noncompliance. As a consumer, I have the right to fair and accurat
e credit reporting. Experians practices have caused significant harm to my credit profile and financial standing. I respectfully request that the CFPB ensure compliance with the FCRA and hold Experian accountable for maintaining accurate and verified information. Thank you for your attention to this matter.

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