Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am writing to escalate my previous complaints and formally request immediate enforcement action against the credit reporting agencies and data furnishers responsible for the ongoing violations of federal laws. This complaint pertains to fraudulent accounts that remain unlawfully on my credit report, despite prior disputes and clear evidence of non-compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These accounts are causing significant harm to my credit profile and financial well-being. 

Fraudulent Accounts and Associated Violations The following accounts remain on my credit report despite being fraudulent : DEPTEDXXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Failure to notify within 5 days before reporting ( 15 U.S. Code 1692g ( a ) ) Failure to maintain maximum accuracy ( 15 U.S. Code 1681e ( b ) ) Failure to validate the debt ( 15 U.S. Code 1692g ( b ) ) Failure to remove fraudulent information upon dispute ( 15 U.S. Code 1681c-2 ) DEPTEDXXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX ) vs. XX/XX/XXXX XXXX Experian, XXXX ) Violations : Same as above. 

DEPTEDXXXX  : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Same as above. 

DEPTEDXXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Same as above. 

DEPTEDXXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Same as above. 

DEPTEDXXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Same as above. 

DEPTEDXXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Same as above. 

XXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Failure to notify within 5 days before reporting ( 15 U.S. Code 1692g ( a ) ) Reporting incorrect late payment history ( 120 days XXXX, 180 days Experian, 120 days XXXX XXXX in violation of 15 U.S. Code 1681e ( b ). 

XXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Failure to validate charge-off and collection statuses ( 15 U.S. Code 1692g ( b ) ). 

Failure to remove fraudulent information upon dispute ( XXXX XXXX XXXX XXXX ). 

XXXXXXXX XXXX XXXXXXXX : Account # XXXX Open Dates Discrepancy : XX/XX/XXXX ( XXXX XXXX vs. XX/XX/XXXX ( Experian, XXXX XXXX Violations : Reporting inconsistent late payment history ( 120 days XXXX, 150 days Experian XXXX 120 days XXXX XXXX in violation of 15 U.S. Code 1681e ( b ).

Failure to notify within 5 days before reporting ( 15 U.S. Code 1692g ( a ) ).

Summary of Legal Violations The actions ( or inactions ) of the credit reporting agencies and data furnishers constitute the following violations of federal law : Failure to Notify Before Reporting Accounts : 15 U.S. Code 1692g ( a ) requires creditors and data furnishers to notify consumers within five days before reporting accounts, which did not occur for the accounts listed above.

Failure to Ensure Maximum Accuracy : 15 U.S. Code 1681e ( b ) mandates credit reporting agencies to ensure all reported information is accurate. Discrepancies in open dates, payment statuses, and other details demonstrate a breach of this obligation.

Failure to Validate Debts Upon Dispute : 15 U.S. Code 1692g ( b ) requires debt collectors and furnishers to validate debts upon dispute. No validation or verification was provided for these accounts. 
Failure to Remove Fraudulent Information : 15 U.S. Code 1681c-2 grants consumers the right to block fraudulent or identity-theft-related information from their credit reports. These accounts remain unlawfully on my report despite clear evidence of fraud.

Requested Action As a consumer seeking justice and compliance with federal law, I respectfully demand the CFPB take immediate enforcement action to : Investigate the Reporting Agencies and Data Furnishers : Investigate the systemic failures of the reporting agencies and furnishers to comply with the FCRA and FDCPA. 
Enforce Removal of Fraudulent Accounts : Compel the credit reporting agencies to immediately remove all fraudulent accounts from my credit report, as required by 15 U.S. Code 1681c-2 ( b ). 
Impose Penalties for Non-Compliance : Hold the credit reporting agencies and data furnishers accountable for their repeated violations of federal law and impose appropriate penalties to ensure compliance. 
Prevent Re-Reporting : Ensure these fraudulent accounts are permanently blocked from being re-reported by any data furnisher or creditor. 

I urge the CFPB to take swift and decisive action to address these violations. Failure to enforce compliance will compel me to explore further legal remedies to protect my rights as a consumer under the FCRA and FDCPA. 

Thank you for your attention to this matter. I look forward to your response. 

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