Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I reviewed my credit report issued by Experian on XX/XX/XXXX and noticed some items are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple dispute letters I have sent. Experian has refused to conduct proper investigations and continues reporting inaccurate, inconsistent, and unverifiable information on my credit report. 
I have formally disputed errors on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and Experian has not complied with its legal obligation under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
Additionally, the CFPB has recently sued Experian for failing to conduct legitimate investigations of consumer disputes ( Case : CFPB Sues Experian for Sham Investigations of Credit Report Errors ). My experience is a direct example of their noncompliance, and I am requesting CFPB enforcement action. 
Violations by Experian : 1. Failure to Verify Debt or Remove Inaccurate Information ( 15 USC 1681e ( b ) & 1681i ( 5 ) ) In my XX/XX/XXXX dispute, I requested Experian to verify or remove a reported debt. 
Experian failed to provide verification and did not remove the account, violating FCRAs accuracy and reinvestigation requirements. 
2. Reporting Inconsistent & Conflicting Information Across Credit Bureaus ( 15 USC 1681e ( b ) ) Experian is reporting different removal dates for the same accounts across bureaus : XXXX  XXXX XXXX ( Partial acct # XXXX, {$27000.00} Collection ) o XXXX & Experian : Estimated removal XX/XX/XXXX o Experian ( separately reported ) : Estimated removal XX/XX/XXXX XXXX XXXX XXXX XXXX ( Partial acct # XXXX, {$7700.00} Collection ) o XXXX : Estimated removal XX/XX/XXXX o Experian : Estimated removal XX/XX/XXXX These inconsistencies prove Experian is failing to ensure accuracy, as required under 15 USC 1681e ( b ). 
3. Failure to Remove or Correct Paid Collection Accounts ( 15 USC 1681s-2 & 1681i ( 5 ) ) In my XX/XX/XXXX dispute, I reported that certain accounts were purchased for less than owed through a third-party debt collector. 
Experian failed to correct or delete these accounts, despite FCRAs mandate that inaccurate or unverifiable accounts be removed. 
4. Allowing Unregistered Debt Collectors to Report Debt ( California Law Violation ) FAIR COLLECTIONS AND OUTSOURCING ( a XXXXbased company ) is reporting a collection account on my Experian report. 
This debt collector is not registered in California and does not hold the required {$10000.00} surety bond to legally collect debts in the state. 
Experian is knowingly allowing an unregistered and non-compliant debt collector to report inaccurate information. 
How This Has Harmed Me : Experians refusal to comply with federal law has directly impacted my financial well-being : Credit denials & higher interest rates due to incorrect negative reporting. 
Potential loss of housing & employment opportunities due to misreported delinquency. 
Emotional & financial distress from Experians refusal to correct clear violations. 

Resolution Requested : I demand that Experian : 1. Conduct a proper reinvestigation of my disputes and delete all inaccurately reported accounts. 
2. Immediately delete all accounts with inconsistencies in account reporting, including date-of-first-delinquencies. 
XXXX. Remove collection accounts reported by unregistered debt collectors, per California law. 
4. Provide written confirmation of these corrections as required under FCRA. 
Experians continued noncompliance is unacceptable, and I request the CFPB to take enforcement action to ensure they are held accountable. 
Thank you for your prompt 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