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 XXXX XXXXccount ( 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 XXXX U.S.C. XXXX requires leniency for accounts affected by national emergencies. 

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( XXXX U.S.C. XXXX ) : 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 ( XXXX XXXX. XXXX ( XXXX ) ) : The information on this account does not meet permissible purposes and standards required for accurate reporting. 
Privacy Rights ( XXXX XXXX. XXXX ( XXXX ) ) : The continued presence of inaccurate information infringes on my right to privacy and creates unnecessary financial harm. 
Description of XXXX ( XXXX XXXX. XXXX ( XXXX ) ) : 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 XXXX  Account Number : XXXX High Balance : {$3600.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} 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