Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am writing to address the account associated with XXXX  XXXX, account number XXXX, which continues to contain inaccurate information, including a potentially fraudulent account that has been investigated multiple times by the company. Despite my repeated attempts to resolve this issue through various channels, I have yet to receive an adequate resolution or satisfactory response. 

The investigation conducted on this matter has lacked professionalism and has not adhered to legally recognized investigative procedures. Despite multiple investigations and reinvestigations, the issue remains unresolved with no clear resolution. This constitutes a direct violation of several consumer protection laws and my rights as a consumer. 

Laws being violated include : Fair Credit Reporting Act ( FCRA ) This law ensures that consumers have accurate and complete information in their credit reports and that disputes over information are handled promptly and fairly. Under the FCRA, when a consumer disputes inaccurate information, the credit reporting agency and the furnisher of the information ( like XXXX  XXXX ) are required to investigate the matter within XXXX days and notify the consumer of the results. Repeated failure to resolve this issue, as well as failure to provide clear information on the investigative process, violates this law. ( XXXX XXXX. XXXX ) Fair Debt Collection Practices Act ( FDCPA ) This act prohibits debt collectors from using unfair or deceptive practices when collecting debts. If XXXX  XXXX is reporting inaccurate or fraudulent information, they are violating the FDCPA by failing to ensure that the debt information being reported is accurate. ( XXXX XXXX. XXXX ) Consumer Financial Protection Act ( CFPA ) This law gives the Consumer Financial Protection Bureau ( CFPB ) the authority to enforce regulations regarding unfair or deceptive practices in consumer financial products or services. XXXX XXXXs failure to resolve this dispute in a timely and proper manner and its repeated re-reporting of inaccurate information constitutes a violation of this act. ( XXXX XXXX. XXXX ) Credit Repair Organizations Act ( CROA ) This law prohibits the use of false or misleading representations regarding credit repair services. If XXXX  XXXX is re-reporting inaccurate information after the matter has been investigated multiple times, this could be construed as a violation of the CROA, as the repeated errors can affect a consumers ability to repair their credit history. ( XXXX XXXX. XXXX ) Truth in Lending Act ( TILA ) This act ensures transparency in lending practices. If XXXX  XXXX is reporting inaccurate credit information that is potentially fraudulent, they are violating TILA by failing to provide consumers with accurate and clear information regarding their credit accounts. ( XXXX XXXX. XXXX ) State Consumer Protection Laws Depending on your state of residence, various state laws may provide additional consumer protections against unfair credit reporting and lending practices. These laws complement the federal protections listed above. 

Given the severity of these violations, I request the following actions : That you immediately provide all methods and procedures used in the investigations conducted by XXXX  XXXX and EXPERIAN, including specific processes and supporting evidence, as it has been over XXXX  days since my last contact with both entities without receiving the requested documentation. 

That this account be permanently deleted from all credit reports and that no further reporting of this account be made in the future. 

That all violations of the law cease immediately, particularly those related to the FCRA, FDCPA, CFPA, CROA, and TILA, as well as any other applicable state laws. 

That legal action be taken to correct and prevent further harm to my credit and consumer rights. 

I expect a clear and effective resolution of this matter in the shortest time possible. Should I not receive a response, I will forward all relevant documentation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney General 's Office, as well as other relevant regulatory authorities. 

Thank you for your immediate 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