Consumer complaint received 2025-08-25 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Willful & Negligent FCRA/FDCPA Violations by Experian and XXXX XXXX Dear Consumer Financial Protection Bureau , I am filing this complaint against Experian ( a Consumer Reporting Agency ) and XXXX XXXX XXXX a Furnisher of Information ) for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Despite repeated disputes filed through Experians online portal and through a XXXX XXXX XXXX complaint, both Experian and XXXX XXXX have failed to correct, delete, or verify the inaccurate and unverifiable information. Their continued reporting demonstrates a knowing, willful, and negligent pattern of non-compliance with federal law. 
Violations by Experia

n ( Consumer Reporting Agency ) Failure to Conduct a Reasonable Reinvestigation Violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) CRAs must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute. Failure to Review Relevant Information Provided by Consumer Violates 15 U.S.C. 1681i ( a ) ( 4 ) CRAs must review and consider all relevant information submitted by the consumer.

Failure to Delete or Correct Inaccurate or Unverifiable Information Violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requiring CRAs to delete or modify inaccurate or unverifiable information. 
Failure to Maintain Maximum Possible Accuracy Violates 15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. Willful and Negligent Non-Compliance Experians disregard for my XXXX complaint and its dismissive treatment of my online disputes demonstrate both willfulness ( 1681n ) and negligence ( 1681o ). 
Violations by XXXX XXXX ( Furnisher of Information ) As a furnisher of information, XXXX XXXX is specifically bound by 15 U.S.C. 1681s-2, which governs the responsibilities of furnishers of information to consumer reporting agencies. 
FCRA 623 ( a ) Duty to Provide Accurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information that they know or have reasonable cause to believe is inaccurate. 
XXXX XXXX has continued to supply inaccurate and unverifiable data to Experian despite repeated disputes, thereby violating this duty. 
FCRA 623 ( b ) Duties of Furnishers After Notice of Dispute Once notified of a dispute by a CRA, XXXX XXXX was required to : Conduct an investigation of the disputed information ( 1681s-2 ( b ) ( 1 ) ( A ) ). 
Review all relevant information provided by the CRA ( 1681s-2 ( b ) ( 1 ) ( B ) ).

Report the results of the investigation to the CRA ( 1681s-2 ( b ) ( 1 ) ( C ) ).

Delete, correct, or block the information if found to be inaccurate or unverifiable ( 1681s-2 ( b ) ( 1 ) ( D ) ( E ) ). 
XXXX XXXX has failed to conform to all of these statutory duties. Instead of conducting a meaningful reinvestigation, they have simply re-reported the same inaccurate data to Experian, which constitutes both negligent and willful noncompliance. 
FDCPA Violations ( if XXXX or its agents are pursuing collection ) 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations.

15 U.S.C. 1692f Prohibits unfair or unconscionable collection practices.

By furnishing false data and allowing it to remain on my report as a collection account, XXXX XXXX is engaging in deceptive and unfair practices in violation of the FDCPA. 
Federal Case Law Supporting These Claims XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A CRAs reinvestigation must be more than a mere parroting of the furnishers response. Experians actions here mirror the violations identified in XXXX. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Furnishers must conduct a reasonable investigation under 1681s-2 ( b ). XXXX XXXX failure to investigate parallels the facts in XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Reporting information with knowledge of inaccuracy constitutes a willful violation of the FCRA. XXXX XXXX ongoing reporting after disputes matches this violation. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) CRAs must ensure maximum possible accuracy and can be liable for both negligence and willfulness. Experians conduct here demonstrates both. 
XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) A furnishers repeated failure to delete or correct disputed information after multiple notices constitutes actionable FCRA violations. 
Harm Suffered The continued reporting of this false, inaccurate, and unverifiable XXXX XXXX account has resulted in : Harm to my credit reputation, Denial of credit opportunities, Higher borrowing costs, Emotional distress and reputational harm. 
Demand for Relief I hereby demand : The immediate deletion of the disputed XXXX XXXX account from my Experian credit file, and Written confirmation of deletion within five ( 5 ) business days. 
If compliance is not achieved, I will pursue litigation in federal court, seeking all remedies under : 15 U.S.C. 1681n and 1681o ( FCRA willful & negligent noncompliance ), 15 U.S.C. 1692k ( FDCPA remedies ), including statutory damages, actual damages, punitive damages, attorneys fees, and costs. 
I request that the CFPB investigate these ongoing violations and take appropriate enforcement action against Experian and XXXX XXXX for their willful and negligent noncompliance with federal law. 

Sincerely, 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