Consumer complaint received 2025-06-10 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : XX/XX/XXXX, XXXX : Experian Corporate Headquarters XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX : Formal Dispute and Demand for Immediate Removal of Inaccurate InformationDear Experian Dispute Team, This letter serves as a formal dispute regarding multiple accounts on my credit report that contain inaccurate, unverifiable, and unauthorized information. I demand their immediate removal to ensure compliance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX, XXXX XXXX guidelines, and XXXX  procedural requirements. Failure to comply will result in regulatory complaints and legal action under applicable laws.To ensure this investigation is processed without delays, stall tactics, or sham investigations, I have provided a copy of my government-issued identification and other supporting documentation. This eliminates any potential claim of insufficient identity verification. Experian is obligated to conduct a thorough and reasonable investigation, as required by law, and I expect full compliance within the legally mandated timeframe.Accounts in DisputeXXXX XXXXDate Opened : XXXX : $ XXXX : Charged OffIssue : Balance is inaccurate, and the account status is unverifiable.XXXX XXXX XXXX Opened : XXXX : $ XXXX : Charged OffIssue : Unverifiable account details ; no validation of debt provided.XXXX XXXXDate Opened : XXXX : $ XXXX : Charged OffIssue : Dispute unresolved ; no proper verification conducted.XXXX  XXXX  Opened : XXXX : $ XXXX : Paid, XXXX : Incorrect reporting as negative despite being paid and closedXXXX XXXXDate Opened : XXXX : $ XXXX : Transferred, XXXX : Inaccurate reporting as negative ; no validation provided.Legal ViolationsUnauthorized Communication Through Credit Reporting ( FDCPA Violation ) The continued reporting of these accounts to Experian constitutes a form of communication under 15 U.S. Code 1692c ( FDCPA ). This communication is unauthorized because : I have not consented to continued contact regarding these alleged debts.The debts are disputed, and no proper validation has been provided.Federal Laws Violated ( FCRA ) 15 U.S.C. 1681b Permissible Purposes of Consumer Reports : Experian must only provide my credit report for permissible purposes. Reporting unverifiable or invalid debts does not meet these criteria.15 U.S.C . 1681c Requirements Relating to Information Contained in Consumer Reports : Negative information older than 7 years must be removed from credit reports.15 U.S.C . 1681e Compliance Procedures : Experian must have reasonable procedures to ensure maximum possible accuracy. Failing to verify disputed accounts or relying solely on furnishers violates this obligation.15 U.S.C. 1681i Procedure in Case of Disputed Accuracy : Experian is required to investigate disputes within 30 days and delete any information that can not be verified.15 U.S.C . 1681n & 1681o Civil Liability for Noncompliance : Refusal to remove unverifiable information exposes Experian to statutory, punitive, and actual damages for willful and negligent noncompliance.Federal Laws Violated ( FDCPA ) 15 U.S.C. 1692e False or Misleading Representations : Reporting inaccurate debts facilitates deceptive debt collection practices.15 U.S.C . 1692f Unfair Practices : Continued reporting of inaccurate debts constitutes unconscionable practices.State Laws Violated ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Misrepresentation of Consumer Debt : Reporting false or misleading information about disputed debts violates XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Prohibited Practices : Harmful practices that deceive or mislead consumers are prohibited under Texas law.Industry Standards ViolatedMetro XXXX Guidelines : XXXX XXXX standards require accurate and complete data reporting. These accounts fail to meet compliance due to inaccurate balances, incorrect statuses, and missing validation.XXXX Procedures : XXXXXXXX  requires furnishers and CRAs to conduct proper investigations and resolve disputes within 30 days. Experian failed to ensure furnishers provided adequate documentation for verification.Supporting Legal XXXX XXXX XXXX XXXX XXXX ( XXXX ) : CRAs must take reasonable steps to verify disputed information and can not merely parrot information from the original XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : CRAs are liable for failing to ensure maximum possible accuracy and conducting reasonable investigations into disputes.Demands for Immediate Action I demand the following actions from Experian : Immediate Removal of Disputed Accounts : Any account that is inaccurate, unverifiable, or outdated must be deleted from my credit report.Written Confirmation of Removal : Provide confirmation that the disputed accounts have been removed.Disclosure of Investigation Procedures : Explain the methods used to verify the disputed accounts, including compliance with XXXX XXXX standards and XXXX protocols.Compliance with Federal and State Laws : Ensure full adherence to the FCRA, FDCPA, XXXX XXXX XXXX, and CFPB rules.Failure to Comply If Experian fails to comply with its obligations, I will take the following actions : File Regulatory Complaints : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXXXXXX Legal Proceedings : Pursue legal action under 15 U.S.C. 1681n and 1681o for damages caused by willful and negligent noncompliance.Seek Damages : Request statutory, punitive, and actual damages for harm caused by noncompliance.EnclosuresCopy of Credit Report with Disputed Items HighlightedCopy of Government-Issued IdentificationOther Supporting DocumentationConclusion Experian is obligated under federal, state, and industry standards to ensure the accuracy, integrity, and fairness of the information they report or manage. The disputed accounts fail to meet these requirements and must be removed immediately. Failure to comply will result in regulatory complaints and legal action.Thank you for your prompt attention to this matter. I expect a written response within XXXX  days, as required by law.Sincerely, 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