Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I am writing to formally notify you of significant violations of federal and state laws in your handling of my credit report, specifically regarding the XXXX account ( Account Ending in XXXX ). Despite my dispute submitted on XX/XX/XXXX, the account continues to be reported with inaccurate, conflicting, and unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and Texas XXXX XXXX laws XXXX 

The following analysis outlines the specific violations, the legal obligations you have failed to meet, and the remedies I demand to resolve this matter. 

Violations of XXXX and XXXX Laws XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Violation : Experian has failed to ensure maximum possible accuracy of the information reported. The conflicting dates of account opening ( XX/XX/XXXX vs. XX/XX/XXXX ) and the static balance of {$2600.00} since the charge-off in XX/XX/XXXX demonstrate a lack of reasonable procedures to ensure accuracy. 
XXXX XXXX. XXXX ( a ) : Violation : Experian failed to conduct a reasonable reinvestigation of the disputed information. Your reliance on information provided by XXXX without independent verification violates your obligations under the FCRA, as established in XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
15 U.S.C. 1681s-2 : Violation : XXXX, as the furnisher of information, failed to ensure the accuracy of the data it provided to you and failed to correct errors upon notification of the dispute. 
15 U.S.C. 1681n and 1681o : Violation : Experian may be liable for willful or negligent noncompliance with the FCRA, entitling me to statutory, punitive, and actual damages. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Violation : XXXX false and misleading information facilitates deceptive and abusive debt collection practices. The conflicting dates and static balance misrepresent the status and accuracy of the debt. 
15 U.S.C. 1692f : Violation : Allowing continued reporting of inaccurate debts constitutes unconscionable practices under the FDCPA.

3. Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6802 : Violation : If personal information was shared or used without proper notice or an opportunity to opt out, this constitutes a violation of GLBA requirements. 
XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX : Violation : XXXX false or misleading information about a consumer debt violates Texas law. 
XXXX : Violation : Engaging in deceptive and harmful practices, such as failing to correct or remove inaccurate information, violates Texas consumer protection laws. 
XXXX. Texas XXXX XXXX and Remedies Code, Chapter XXXX Statute of Limitations : Violation : If the debt is time-barred ( exceeding the four-year statute of limitations in Texas ), reporting XXXX as active violates state law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Ruling : A reinvestigation that merely parrots information from the original source does not fulfill the CRAs obligations under the FCRA. 
Relevance : Experians failure to independently verify the disputed information violates this precedent. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Ruling : CRAs must conduct reasonable investigations and ensure maximum possible accuracy under XXXX XXXX. XXXX ( b ). 
Relevance : XXXX pattern of retaining inaccurate data highlights its failure to comply with this requirement. 
Specific Issues with the XXXX Account Conflicting Information : The account opening date is inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ). 
The balance has remained static at {$2600.00} since the charge-off in XX/XX/XXXX, which is inaccurate and unverifiable. 
Failure to Update Payment History : The payment history contains gaps, violating XXXX XXXX compliance standards. 
XXXX Process : Experians reinvestigation process failed to independently verify the disputed information, relying solely on Discovers unverified response. 
What I Am Demanding Immediate Deletion of the XXXX Account : Due to the conflicting, inaccurate, and unverifiable information, I demand the immediate deletion of the XXXX account ( Account Ending in XXXX ) from my credit report. 
Compliance with Federal and State Laws : Experian must ensure compliance with the FCRA, FDCPA, GLBA, and Texas consumer protection laws in handling disputes and reporting information. 
Compensation for Damages : Pursuant to 15 U.S.C. 1681n and 1681o, I am entitled to statutory, punitive, and actual damages for willful and negligent noncompliance with the FCRA. 
Provide Documentation : Provide all records related to your reinvestigation process, including : Communications with XXXX. 
Internal policies and procedures for FCRA compliance. 
Audit trails of the dispute process. 
XXXX Plan To resolve this matter, I request the following actions : Document Requests : All communications between Experian and XXXX regarding the disputed account. 
Records of the reinvestigation process, including verification steps taken under e-OSCAR. 
XXXX XXXX XXXX : Confirm whether Experian followed FCRA procedures under 15 U.S.C. 1681i ( a ) and ensured maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Privacy Compliance : Provide evidence that privacy notices were issued under GLBA and confirm that my opt-out rights were honored.

Conclusion and Next Steps Experian has failed to comply with federal and state laws, including the FCRA, FDCPA, XXXX, and XXXX XXXX XXXX, in handling and reporting the XXXX account. If these violations are not corrected promptly, I will have no choice but to escalate this matter by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action to recover damages caused by your noncompliance. 
I expect a full response, including confirmation of the deletion of the account and documentation of your reinvestigation process, within 30 days of receipt of this letter.

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