Consumer complaint received 2025-05-09 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:
Subject : Follow-Up Dispute Verification Failure to Comply with FCRA and XXXX To Whom It May Concern, This is a formal complaint concerning your failure to properly investigate and remove inaccurate and inconsistent information from my credit report. Despite prior dispute efforts, the following account remains inaccurately reported across multiple credit bureaus : Account to Be Removed Immediately : * Account Name : XXXX * Account Number : XXXX * * * * * * * * * Balance : {$810.00} * Date Opened : XX/XX/XXXX * Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX  ) * Date Reported : XX/XX/XXXX ( TXXXX  & Experian ), XX/XX/XXXX ( XXXX ) * Last Verified : XX/XX/XXXX ( XXXX ) * Payment Status : XXXX XXXX TXXXX XXXX Experian XXXX XXXX Late 120 Days ( XXXX ) XXXX Account Status : Closed ( XXXX & Experian ), Open ( XXXX ) XXXX Dispute Status : Not Disputed ( XXXX & Experian ), Disputed ( XXXX  ) While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. Specifically : * Inconsistencies in reporting between the XXXX bureaus regarding account status, payment history, last activity date, and dispute indication. 
* Failure to remove or correct despite previous disputes. 
* Discrepant balance and account remarks not aligned with federal standards. 

Violations and Legal Failures Identified : Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 
As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1. Inconsistencies : There are discrepancies among the XXXX credit bureaus regarding this account, including balance, status, dispute resolution, and payment history. 
2. Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.

3. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report.

4. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Regulatory Violations Cited : 1. Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : No thorough investigation was provided within the 30-day timeframe.

2. Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : No demonstration of reasonable procedures to ensure accuracy.

3. Duties of Furnishers of Information ( 15 U.S. Code 1681s-2 ) : No rectification of disputed inaccuracies.

4. Transparency and Accuracy ( TILA, 15 USC 1601 ) : Data presented is not transparent or verifiable.

5. Public Law 91-506, Title VI, Section 611 : Failure to follow correct reinvestigation and removal procedures.

6. 15 U.S.C. 1681i ( 7 ) : No description of the investigation process was provided.

7. 15 U.S.C. 609 ( a ) ( 1 ) ( a ) : Failure to verify through physical signed documentation.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take immediate enforcement action against Experian for failing to comply with FCRA and TILA. This is a direct violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate or Unvalidated Credit Information. 
Please remove this XXXX account from Experian immediately. 
Thank you for your attention to this matter. I expect a full written resolution.

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