Consumer complaint received 2024-08-23 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:
I am writing to formally file a complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to correct inaccuracies on my credit report. Despite numerous disputes submitted in writing and over the phone, Experian has not corrected these errors nor provided adequate verification for the disputed accounts, as required by law. 
XXXX XXXX XXXX XXXX Violations of Law : XXXX. Billing Error ( 15 USC 1666B ) : o Violation : The report reflects a billing error, as I have consistently paid my bills on time. The reported late payments are erroneous and unlawful. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Incorrect Finance Charge Reporting ( 15 USC 1605 ( a ) ) : o Violation : The finance charge was incorrectly included in the total amount of payments, leading to erroneous late payment reporting. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Failure to Provide Evidence ( 15 USC 1681i ( 7 ) ) : o Violation : Experian reported accounts without valid evidence, violating my rights under 15 USC 1681i ( 7 ). The lack of proper verification renders these accounts improperly reported. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Inaccurate Reporting ( 15 USC 1681e ( b ) ) : o Violation : Experian failed to ensure the accuracy of the reported information, violating 15 USC 1681e ( b ). 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Potential Unauthorized Account ( 15 USC 1681a ( 2 ) ( B ) ) : o Violation : This account may be unauthorized, potentially resulting from a data breach. Reporting this account without proper authorization violates the FCRA. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Failure to Correct Inaccurate Information ( 15 USC 1681i ( a ) ( 5 ) ) : o Violation : Despite multiple disputes, Experian has not corrected or deleted inaccurate information. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Failure to Provide Results of Reinvestigation ( 15 USC 1681i ( a ) ( 6 ) ) : o Violation : Experian did not adequately explain how they verified the accuracy of the disputed accounts. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Failure to Reinvestigate After Receiving Police Report ( 15 USC 1681c-2 ) : o Violation : Experian failed to correct inaccuracies related to identity theft despite receiving a police report and FTC report . 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Denial of Credit Due to Inaccurate Reporting ( 15 USC 1681o ) : o Violation : Inaccurate reporting by Experian led to the denial of my refinance application, causing financial harm. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Harassment or Abuse by Debt Collectors ( 15 USC 1692d ) : o Violation : Experian or its representatives engaged in conduct that caused significant emotional distress, constituting harassment or abuse under the FDCPA. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. False or Misleading Representations ( 15 USC 1692e ) : o Violation : Experian made false or misleading representations by continuing to verify inaccurate information on my credit report. 
o Maximum Claim : {$1000.00} per violation. 
XXXX. Emotional Distress and Inconvenience ( 15 USC 1692f ) : o Violation : The repeated failures, delays, and continued inaccuracies in my credit report have caused significant emotional distress and inconvenience. 
o Maximum Claim : {$1000.00} for emotional distress. 
Additional Concerns : I have repeatedly requested proof of the alleged debt from the creditor/agency, specifically the original application bearing my signature, which has not been provided. Under the FCRA, if the disputed item can not be supported by evidence, it must be removed from my credit report ( 15 USC 1681 ). The continued false reporting of this account is negligent and violates 15 USC 1681. 
Furthermore, I never provided written consent for this information to be reported, making its inclusion on my report a violation of 15 USC 1681b. Additionally, regarding the charge-off reported, I have not received a Form 1099-C for the cancellation of this debt from Experian, as required by IRS regulations. The absence of this form indicates that the debt may not have been officially canceled, further invalidating its reporting.

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 non-monetary relief