Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this formal dispute regarding the inaccurate information reported by Experian, which resulted in the denial of my rental application at The Haven on XX/XX/year>. 

In addition to the inaccuracies in the tenant screening report, I am raising an urgent issue related to Experians failure to properly mark several disputed accounts as in dispute on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). This failure has caused unjust harm, including the denial of housing.

Key Issues and Violations : 1. Failure to Mark Accounts as In Dispute : I have filed multiple disputes with Experian regarding the collection from an apartment community and certain
charge-offs. Despite these disputes, Experian failed to comply with the FCRA requirement under 15 U.S.C. 1681i ( a ) ( 2 ), which mandates that credit bureaus must mark disputed information as in dispute in a timely manner. The failure to include this required notation has resulted in adverse actions taken against me, including the denial of my rental application.

2. Experians Violation of the FCRA : Experians failure to include the required dispute notation on my credit file is a violation of the FCRA, specifically under 15 U.S.C. 1681s-2 ( a ) ( 3 ), which requires that disputed information be clearly marked and noted on the consumers file. By failing to do so, Experian has allowed the inaccurate and disputed information to be used by third parties ( such as XXXX, XXXX ) in evaluating my creditworthiness, leading to significant harm. 
3. Inaccurate Collection from an Apartment Community : The tenant screening report referenced a collection from an apartment community, which is inaccurate and should have been removed from my credit report. This collection is currently in dispute, and the lack of proper notation further demonstrates Experians mishandling of my case.

4. Incorrect Charge-Offs : The charge-offs reported in my credit file are also inaccurate. These accounts have been formally disputed with Experian, and the failure to address these disputes or mark them appropriately as in dispute has allowed this erroneous information to negatively affect my rental application.

5. Harm and Adverse Action : As a direct result of Experians failure to comply with the FCRA, I have been denied housing at The Haven and suffered damage to my creditworthiness. This harm could have been avoided if Experian had properly handled my disputes and updated my credit file accordingly. 
Attachments : Adverse Action Letter from The Haven dated XX/XX/year> Previous disputes submitted to Experian Documentation supporting the inaccuracies of the collection and charge-offs Proof of failure to add dispute notation to accounts in credit report

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