Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
Follow-Up Complaint to CFPB Subject : Failure to Resolve FCRA Violation Experians Non-Compliance with Dispute Obligations Complaint : Dear CFPB, I am filing this follow-up complaint regarding my original dispute submitted on XX/XX/XXXX ( Case No. XXXX ), in which I requested the deletion of inaccurate and misleading charge-off reporting by XXXX XXXX ( XXXX XXXX on Account No. XXXX. Experians handling of my dispute has not only failed to resolve the issue but also demonstrates clear non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) and 1681e ( b ). 
Despite providing detailed evidence that XXXX is improperly reporting Account XXXX. XXXX as both charged-off and past due simultaneously, Experian conducted XXXX superficial investigation, failed to correct the error, and has allowed the inaccurate reporting to persist. This follow-up complaint is necessary because Experians response did not address my concerns, failed to comply with FCRA-mandated dispute resolution standards, and improperly labeled my prior follow-up complaint as a duplicate to avoid accountability. 
Background of the Complaint On XX/XX/XXXX, I submitted a complaint disputing AMEXs misleading charge-off reporting on Account No. XXXX, which creates the false impression of ongoing delinquency. 
The FCRA requires that Experian conduct a reasonable reinvestigation and ensure that reported information meets the maximum possible accuracy standard. 
On XX/XX/XXXX, Experian acknowledged receipt of my dispute but failed to provide any meaningful action to correct the misleading reporting. 
On XX/XX/XXXX ( XXXX XXXX. XXXX ), I submitted a follow-up complaint due to Experians failure to comply with the 30-day reinvestigation timeframe required under FCRA 1681i ( a ) ( 1 ). 
Instead of correcting the error or explaining their justification for allowing the dual reporting to persist, Experian improperly marked my second complaint as a " duplicate '' on XX/XX/XXXX, and closed it without resolution. 
Experians Ongoing FCRA Violations XXXX. Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ( a ) ( 1 ) ) o Experians dispute process was not thorough or meaningful, as they failed to evaluate the accuracy of XXXX reporting practices and instead blindly relied on XXXX response. 
o The continued reporting of both a charge-off and a past-due balance for Account XXXX. XXXX is inherently inaccurate and misleading. 
XXXX. Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) o The reporting of a charge-off as a one-time event is standard practice, yet Experian has allowed XXXX to report this charge-off monthly, giving the false impression of repeated delinquency. 
o By permitting this misleading reporting on Account No. XXXX, Experian has failed its obligation to ensure that my credit report is accurate and not deceptive to creditors. 
XXXX. Improperly Closing My Prior Complaint as a Duplicate o My XX/XX/XXXX complaint was not a duplicate but an escalation due to Experians failure to resolve the issue in a timely manner as required by law. 
o Instead of properly addressing my concerns regarding XXXX Account No. XXXX, Experian used the duplicate designation as a way to avoid correcting the inaccurate information. 
Experians Actions Reflect CFPB Lawsuit Allegations ( Case No. XXXX ) The CFPB has recently sued Experian for systemic failures in handling consumer disputes, conducting meaningful reinvestigations, and ensuring accurate credit reporting. My experience mirrors the allegations in CFPB XXXX Experian Information Solutions XXXX Inc. ( Case No. XXXX ), including : Failure to properly investigate disputes and instead relying blindly on furnishers. 
Allowing misleading and harmful credit reporting to persist, harming consumers. 
Improperly closing disputes without resolution and failing to provide clear results to consumers. 
Requested Resolution XXXX. Immediate Deletion of XXXX Account No. XXXX from My Credit Report o Given Experians failure to meet the FCRA-mandated 30-day deadline and their improper closure of my prior complaint, the only fair resolution is to delete the account entirely from my credit report. 
XXXX. Investigation into Experians Misuse of Duplicate Complaint Marking o The CFPB should review whether Experian is systematically closing valid consumer disputes by labeling them as " duplicates '' to avoid accountability. 
XXXX. Regulatory Action Against Experian for FCRA Non-Compliance o Given that my case reflects a broader pattern of misconduct, I request that the CFPB take enforcement action against Experian to ensure compliance with FCRA requirements. 
I urge the CFPB to take this complaint seriously and hold Experian accountable for their failure to resolve this dispute properly. Thank you for your time and attention. I look forward to your response. 
Sincerely, 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