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: LA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian regarding its failure to conduct a proper investigation into a disputed collection account reported by XXXX XXXX XXXX ( XXXX ). Experian has repeatedly disregarded my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), failing to investigate properly, refusing to provide verification details, and continuing to report inaccurate and legally uncollectible debt. 

Summary of the Issue Account Past Statute of Limitations The disputed account is past the three-year statute of limitations for open accounts in Louisiana under Louisiana debt law.

Both TransUnion and Equifax have removed this account after reviewing the same evidence, but Experian refuses to do so despite clear violations.

Continued reporting of this account is a direct violation of 15 U.S. Code 1681c ( FCRA ), which prohibits reporting accounts past the statute of limitations.

Premature Charge-Off by the Original Creditor The original creditor, Synchrony Bank , prematurely charged off the account before the due date and sold it without issuing a final demand letter, violating Louisiana debt collection laws. 
This account should still be with XXXX XXXX and should not be a collection account. 
Lack of Verification & Failure to Investigate Under the FCRA I have requested full payment records and purchase agreements from XXXX XXXX XXXX. They failed to provide a complete payment history, only submitting the last XXXX payments despite XXXX payments having been made. 
Experian refuses to verify the balance accuracy despite this clear discrepancy, violating 15 U.S. Code 1681i ( FCRA ), which requires reasonable investigation into disputes. 
Experian 's Customer Service Refused to Provide Investigation Details On XX/XX/year>, I called Experian and spoke with a representative who stated that my account was " verified as accurate. '' When I asked what information was used to verify the account, he stated he did not have access to that information but still claimed it was verified. 
When I asked to be transferred to the department responsible for verification, he refused and hung up on me. 
This is a direct violation of the FCRA, which entitles me to review the investigation process and any documentation used to verify a disputed account. 
Incorrect Name on File & Failure to Correct Personal Information Experian misspells my name on all correspondence, despite my repeated attempts to correct it using my Social Security card, drivers license, and utility bills. 
This failure to update my name demonstrates Experians negligence and lack of proper investigation.

Legal Violations Committed by Experian 15 U.S. Code 1681i ( a ) : Failure to conduct a reasonable investigation of disputed information.

15 U.S. Code 1681c : Reporting an account past the statute of limitations.

15 U.S. Code 1681e ( b ) : Failure to maintain maximum accuracy of consumer reports.

15 U.S. Code 1681s-2 ( b ) : Failure to correct inaccurate information after a dispute.

FDCPA Violation : Experians failure to provide verification of debt despite multiple requests.

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