Consumer complaint received 2025-05-27 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: PA

Complaint narrative:
I am writing to address a flagrant and intolerable series of violations of the Fair Credit Reporting Act ( FCRA ) that demand your immediate attention and resolution. The XXXX XXXX account ( Account Number : XXXX ) on my credit report is riddled with inaccuracies, despite a prior dispute with no visible results or updates. These errors are devastating my credit score, costing me thousands in interest, and causing severe emotional distress. I demand you act now to rectify this outrageous misconduct. 

Identified Inaccuracies and Violations : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are reporting fraudulent late payments ( XX/XX/year> to XX/XX/year>, XXXX days ) on my XXXX XXXX account that I never authorized, infringing on my privacy rights. Cease sharing this false data immediately. 
FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The reported late payments and {$490.00} balance falsely suggest I defaulted, when these stem from a data breach and identity theft, misleading future creditors. This is a deliberate misrepresentation.

FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted and continue to report this unverified information without firsthand accuracy checks, exposing you to civil liability up to {$1000.00} per violation. This willful neglect ends now.

FCRA Section 605B - Aggravated Identity Theft : My personal data, compromised in a breach, was used to report this account without consent, making you criminally liable for aggravated identity theft.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures : You failed to disclose my right to opt out of sharing this fraudulent data, a deceptive violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Inaccurate late payments and inconsistent balances ( e.g., Equifaxs incomplete history vs. XXXX ) were furnished without validation, potentially breaching GAAP. 
Violation of Debt Collection Practices Act : Reporting these unverified debts constitutes unfair harassment and must stop.

Violation of Identity Theft Laws : Creditors used my stolen identity to report this account, a clear theft violation.

Violation of Acquiring Location Information Regulations : Third-party agencies contacted you with my data, claiming a false debt. 
Violation of Timely Payments Regulations : Late payments ( XXXX 2023 ) are reported without defining late, a deceptive and inaccurate practice. 
Violation of Finance Charge Determination : You failed to ensure accurate finance charges, a critical breach of your duty.

Violation of Credit Report Permissible Purposes : This information was reported without my consent, violating FCRA permissible purposes.

FCRA Section 1681e ( b ) - Accuracy of Reporting : Inconsistent payment histories and unverifiable late payments across bureaus show your failure to maintain reasonable accuracy procedures.

FCRA Section 1681i - Procedure in Case of Disputed Accuracy : My prior dispute was ignored, and no reinvestigation corrected these errors, a direct violation.

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