Consumer complaint received 2024-11-25 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: DE

Complaint narrative:
Complaint Regarding Prior Investigation and Unresolved Error on Credit Report Request for Monetary Relief CFPB Complaint Number : XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint to address the unresolved issue from my previous investigation ( CFPB Complaint Number : XXXX ) regarding inaccurate information reported by Experian. Despite multiple attempts to resolve this matter, Experian has failed to provide sufficient proof of the debt reported by XXXX XXXX. In their most recent response, Experian claimed that they had verified the debt, but they did not provide any supporting documentation or evidence to substantiate the claim. This is now my third request for the required proof. 

Experian 's response was merely a statement of verification, yet they have failed to supply any adequate documentation showing that I am responsible for this alleged debt, nor have they provided proof of my authorization, as required under 15 U.S.C. 1692 ( e ) and ( f ). This is the third time I have requested this information, and once again, Experian has not complied. 

Furthermore, the reported debt and the associated late payment entries are not only inaccurate, but also violate the Fair Credit Billing Act ( 15 U.S.C. 1666b ), which prohibits the reporting of late payments that are not valid. The erroneous account is causing significant harm to my credit profile, and the illegal late payment entries are unlawful. 

I am requesting that Experian provide clear and verifiable proof of the debt under 15 U.S.C. 1692 et seq., as required by law. Specifically, I am requesting the following actions : Immediate removal of the XXXX XXXX debt from my credit report. 
Immediate correction of the record to remove any reported late payments associated with this invalid debt.

Adequate evidence of my authorization for the debt, as required under 15 U.S.C. 1692 ( e ) and ( f ).

Monetary compensation for the financial stress and harm caused by this erroneous reporting, including potential damages for Experians willful non-compliance. 
As noted in my previous complaints, this notice is a formal dispute of the validity of the alleged debt and an attempt to correct your records. Any further information provided by Experian will be considered as evidence in this matter. I am also placing Experian on notice that any continued failure to comply will be noted and could be used in small claims court if necessary. 

Please consider this formal request for resolution and take immediate corrective action to ensure compliance with the applicable laws. I expect prompt resolution and will not accept further non-compliance from Experian. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> 2024

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