Consumer complaint received 2024-12-16 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:
XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear FPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX XXXX XXXXXXXX account ( Account # XXXX ) on my credit report. This is the third attempt to resolve these inaccuracies. Despite prior disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. 
The failure to address my concerns appropriately and correct inaccuracies violates my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my account was directly impacted by financial challenges during the XXXX pandemic, as protections outlined under the CARES Act and 15 U.S.C. 1681s-2 requires leniency for accounts affected by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : XXXX failed to provide a sufficient description of the investigation process. This is a direct violation of the FCRA, which mandates transparency in dispute investigations. 
XXXX Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account does not meet permissible purposes and standards required for accurate reporting.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued presence of inaccurate information infringes on my right to privacy and creates unnecessary financial harm.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required description of the investigation process within 15 days of filing my disputes. 
Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : XXXX has failed to provide accurate disclosures regarding this accounts status, violating TILA guidelines. 
Federal Consumer Protections ( CARES Act ) : This account was directly impacted by the XXXX pandemic, during which financial institutions were required to provide deferments and protections under the CARES Act. 
XXXX XXXX Requested I request the immediate deletion of the inaccurate account information from my credit report. The account has multiple inaccuracies, including : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX High Balance : {$XXXX} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$XXXX} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : Payment after charge-off/collection Two-Year Payment History : Inaccuracies for XXXX reported as charge-offs. 
Attachments : Copies of my dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
XXXX and supporting documentation. 
Sincerely, XXXX XXXX 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