Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I have engaged in three rounds of disputes with the CFPB regarding inaccuracies in my credit reports for multiple accounts. The first round was in XX/XX/XXXX, the second in XX/XX/XXXX, and the third in XX/XX/XXXX. Despite my efforts, the credit bureaus continue to report incorrect information and have failed to provide the details of how they verified the accounts, which is a right afforded to me under the FCRA. 

The accounts in question are : XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) In each round, I requested the following : XX/XX/XXXX : Initial investigation into the inaccuracies. 

XX/XX/XXXX : A detailed explanation of how the accounts were verified and the process used during the investigation. 

XX/XX/XXXX : A statement pointing out that they failed to provide the requested information and that the accounts remain inaccurately reported. 

The basis for my disputes includes violations of multiple laws, such as : Fair Credit Reporting Act ( FCRA ) : Failure to provide accurate information and to conduct a proper reinvestigation. 

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681i ( a ) ( 2 ) : Requires credit bureaus to notify the furnisher of the information of the dispute within five business days.

15 U.S. Code 1681i ( a ) ( 5 ) : Requires the deletion of information if it can not be verified.

Truth in Lending Act ( TILA ) : Misrepresentation of account balances and charges.

Fair Credit Billing Act ( FCBA ) : Failure to correct billing errors.

Consumer Financial Protection Act ( CFPA ) : Unfair and deceptive practices in the handling of disputes. 

The inaccuracies in reporting include but are not limited to : Re-aging of accounts, which is not allowed under FCRA. 

Reporting of incorrect balances, dates of last payments, and charge-off statuses. 

Failure to accurately report accounts in a manner consistent with the information provided by the consumer. 

Furthermore, recent news reports indicate that the CFPB is currently demanding accountability from Experian for engaging in similar bad practices, including failing to provide the details of their investigations. This pattern of behavior highlights systemic issues within the credit reporting industry that adversely affect consumers like myself. 

Given these ongoing issues and the failure to comply with the requirements set forth in the FCRA, TILA, FCBA, and CFPA, I am requesting immediate corrective action and the deletion of the inaccurate information. I also urge the CFPB to investigate these practices as they reflect a broader pattern of negligence and non-compliance with federal laws designed to protect consumers. 

Additionally, I will be filing a complaint with the FTC to further demand the deletion of these inaccuracies and ensure compliance with federal regulations. 

Please provide a comprehensive response detailing the steps that will be taken to rectify these violations and ensure accurate reporting moving forward.

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