Consumer complaint received 2025-03-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian Information Solutions , Inc . 

Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney XXXX XXXX Subject : Formal Complaint Regarding FCRA Violations by Experian and XXXX XXXX XXXX I. Introduction This formal complaint addresses repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by Experian Information Solutions XXXX Inc. ( Experian ) and XXXX XXXX XXXX. These violations have caused significant harm to my financial reputation and opportunities due to inaccurate and inconsistent reporting of my account information. 

Despite multiple disputes submitted to Experian, inaccuracies persist in my credit report, particularly regarding my XXXX XXXX XXXX account, which remains incorrectly listed as " charged off '' despite being paid in full. Additionally, Experian has failed to conduct thorough reinvestigations and continues to share outdated and irrelevant personal information with third parties. 

I demand immediate corrective action to address these violations and prevent further harm. 

XXXX. Points of XXXX XXXX. Failure to Investigate Disputes in Good Faith Experian has failed to conduct a meaningful investigation into my disputes regarding the inaccurate reporting of my XXXX XXXX XXXX account. 
The Complaint Detail document highlights XXXX pattern of closing disputes without fully addressing the issues raised. Despite providing detailed evidence of inaccuracies, Experian closed the case without resolving the discrepancies in my credit report. 
Experian is allowing this type of practice to disrupt my financial credibility by not conducting a thorough investigation. The information Experian reports does not match or align with XXXX and XXXX, which demonstrates deliberate and intentional actions to cause harm. 
These actions constitute sham investigations, as XXXX responses lack transparency, fail to provide detailed findings, and continue to allow inaccurate information to persist on my credit report. 
XXXX. Request for Investigative Parties and Contact Information I demand the names and direct contact information of all parties responsible for investigating this complaint. 
I request immediate follow-up and accountability from the individuals or departments handling this matter. 
XXXX. Violation of FCRA Requirements Experian and XXXX XXXX XXXX have violated the FCRA by failing to ensure the accuracy and integrity of the information reported to credit bureaus. 
Under the FCRA, furnishers of information, such as XXXX XXXX XXXX, are required to provide accurate and consistent data to all credit reporting agencies ( Experian, XXXX, and XXXX ). 
XXXX. Harm to Financial Opportunities XXXX XXXX XXXX inconsistent reporting of my account status as charge-off and failure to update its status after settlement has disrupted and dismantled my financial opportunities. 
These inaccuracies have directly impacted my ability to secure credit, housing, and employment. 
XXXX. Findings from Complaint Detail Document ( Case # XXXX ) The document reveals the following issues : Case Closure Without Resolution : Experian closed the dispute without addressing the inaccuracies in the reporting of my XXXX XXXX XXXX account XXXX 
Inadequate Responses : Experian failed to provide a detailed explanation of its findings or evidence supporting its decision to close the case. 
Failure to Correct Errors : Despite my submission of supporting documentation, Experian did not correct the inaccurate information on my credit report. 
Disregard for Evidence : Experian ignored critical evidence provided in my dispute, including proof of settlement with XXXX XXXX XXXX. 
These findings demonstrate a pattern of negligence and non-compliance with FCRA requirements. 
XXXX. Potential Violations of Experians Privacy Policy Experians XXXX XXXX XXXX Privacy Policy, updated XX/XX/XXXX, outlines its obligations to collect, use, disclose, and protect personal information in compliance with state and federal privacy laws. 
The following sections of Experian 's privacy policy appear to have been violated or inconsistently applied in this case : Scope of Privacy Policy : Experian claims to protect personal information under laws such as the Fair Credit Reporting Act ( FCRA ) and state privacy laws. However, the failure to resolve my disputes and correct inaccuracies suggests a lack of compliance with these obligations. 
Data Accuracy and Use : Experian states that it collects and maintains personal information for purposes such as fraud prevention, decision-making, and ensuring accurate reporting. The continued reporting of inaccurate information undermines these stated purposes.

Disclosure of Personal Information : Experian acknowledges sharing personal information with third parties for business or commercial purposes. If inaccurate data was shared with third parties, this constitutes a violation of both the FCRA and XXXX own privacy policy.

XXXX. Potential Violations of XXXX XXXX Privacy Policy XXXX Privacy Policy explicitly states that it collects and uses consumer data to ensure accurate services, maintain account information, and resolve disputes. 
The failure of XXXX XXXX XXXX to update and correct my account status after settlement appears to violate its own stated privacy practices, particularly the following sections : Section XXXX : Use of Information : XXXX failed to respond to my requests to correct inaccuracies. 
Section XXXX : Retention of Information : XXXX continues to retain and report outdated and inaccurate information. 
XXXX. Background of the Complaint XXXX XXXX XXXX Account Details : Reported as a charge-off with an unpaid balance of {$4600.00}. 
XXXX initiated on XX/XX/XXXX, through XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
Despite resolving the matter in good faith, XXXX XXXX XXXX has failed to update the account status to settled or paid as agreed. 
Impact of Inaccurate Reporting : BMWs inconsistent reporting across credit bureaus has caused confusion and significant harm to my creditworthiness. 
Experian, XXXX, and XXXX each report different statuses for this account, undermining the integrity of the credit reporting process. 
Legal Violations : Texas XXXX XXXX and Remedies Code XXXX ( a ) ( XXXX ) : The original charge-off occurred more than XXXX years ago, and no legal action was initiated to collect the debt within the allowable timeframe. 
FCRA : XXXX XXXX XXXX has failed to ensure accurate and consistent reporting of this account. 
IV. Requested Actions To resolve this matter, I demand the following actions : Conduct a Comprehensive Investigation Review my account, the settlement terms agreed upon with XXXX, XXXX XXXX XXXX XXXX, XXXX, and all related communications. 
Provide detailed findings and evidence of the investigation. 
Provide XXXX XXXX I demand the names, titles, and direct contact information of all individuals or departments responsible for investigating this complaint. 
XXXX XXXX XXXX XXXX Update all credit reporting agencies to reflect the accurate status of my account, such as settled or paid as agreed. 
Ensure Compliance with FCRA and Privacy Policies Require Experian and XXXX XXXX XXXX to comply with FCRA requirements and their own privacy policy commitments to ensure accurate reporting and data handling. 
Provide Written Confirmation Deliver a detailed explanation of your findings and confirm all corrections within XXXX  days of receipt of this letter. 
XXXX Conclusion Experians failure to conduct reasonable reinvestigations and XXXX XXXX XXXX inaccurate reporting have caused irreparable harm to my financial reputation and opportunities. These actions constitute violations of the FCRA, Texas state law, and both companies internal privacy policies. 

I demand immediate action to resolve this matter and hold the responsible parties accountable. Failure to comply will result in further escalation, including filing additional complaints with the CFPB, FTC, and Texas Attorney XXXX XXXX, and pursuing legal action to recover damages caused by negligence and misconduct. 

Please provide a detailed response to this complaint within XXXX  days. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : 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