Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Re : Ongoing Dispute of Inaccurate Account Information THD/CBNA XXXX Dear Experian Dispute Resolution Team, I am writing to formally dispute the reporting of the account referenced above ( XXXX  XXXX ). This account is not mine, and I have repeatedly provided proof to Experian showing that I do not own this account or any associated debt. Despite my efforts, this inaccurate and false information remains on my credit report, violating both the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). 
Supporting Legal Documentation In case number XXXX, presided over by XXXX XXXX in XXXX XXXX, it was concluded that I do not own this debt or account. The court documents are available online at XXXX XXXX XXXX and they provide clear evidence supporting my claim. This judgment is final and leaves no doubt that Experian is erroneously reporting false information, causing financial harm and distress. 
Experians Obligations Under Federal Law 1. Fair Credit Billing Act ( 15 U.S.C. 1666b ) : Experian is required to investigate and promptly correct any disputed inaccuracies on consumer credit reports. My repeated disputes and supporting evidence have been ignored, which directly violates this statute. 
2. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : Experian must ensure the accuracy and privacy of consumer information it furnishes. Reporting false information about me, despite being shown evidence to the contrary, constitutes a violation of this law and my rights as a consumer. 
CFPB Enforcement and Experians History of Negligence I would like to remind Experian that the Consumer Financial Protection Bureau ( CFPB ) recently fined the company {$24.00} XXXX in XX/XX/XXXX for ongoing violations, including the failure to correct inaccurate information and deceptive practices in credit reporting. 
Additionally, Experians history of negligence is well-documented, including cases such as : XXXX v. Experian ( XXXX ) : Experian settled for {$22.00} XXXX after failing to remove inaccurate information from consumer reports despite repeated disputes. 
XXXX v. Experian ( XXXX ) : Experian faced legal action for failing to properly investigate and correct errors, demonstrating a recurring pattern of neglecting consumer rights. 
Experian is the only credit reporting agency furnishing this false information about me. This ongoing inaccuracy not only harms my creditworthiness but also undermines the integrity of the credit reporting system. 
Requested Action I demand that Experian take the following actions immediately : XXXX. Remove the inaccurate account XXXX  XXXX from my credit report. 
XXXX. Provide a written confirmation that the account has been removed. 
XXXX. Ensure my credit report is updated to reflect accurate information, in compliance with federal law. 
Failure to address this matter within 15 days, as mandated by the Fair Credit Reporting Act ( FCRA ), will leave me no choice but to escalate this issue by filing formal complaints with the CFPB and FTC and pursuing legal remedies for damages caused by your negligence. Thank you for your prompt attention to this matter. 
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