{"took":838,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1716,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15006369","_score":21.405415,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to file a complaint against Experian for failing to conduct a proper investigation into a account, violating the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which requires credit agencies to investigate disputed information.An account ending in XXXX was listed on both TransUnion and Experian. TransUnion removed this account after my dispute and their investigation, IT IS NOT POSSIBLE FOR THE SAME COMPANY TO REPORT DIFFERENT INFORMATION ON DIFFERENT CONSUMER AGENCIES.clearly this account has not been investigated.I request that the CFPB address this issue and ensure Experian complies with FCRA regulations. I have included proof of the results from transunion investigation, Thank you for your attention.","date_sent_to_company":"2025-07-31T10:02:10.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"19720","tags":null,"has_narrative":true,"complaint_id":"15006369","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-31T09:44:29.000Z","state":"DE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB, I am writing to file a complaint against <em>Experian</em> for failing to conduct a proper <em>investigation</em> into a account, <em>violating</em> the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically <em>Section</em> 611, which requires credit agencies to <em>investigate</em> <em>disputed</em> information.An account ending in XXXX was listed on both TransUnion and <em>Experian</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[21.405415,"15006369"]},{"_index":"complaint-public-v1","_id":"11448506","_score":20.594725,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ubject : Dispute of Incorrect Bankruptcy Reporting by Experian in Violation of FCRA and Related Laws Dear CFPB, I am filing this complaint against Experian for their continued failure to investigate and resolve my dispute regarding a bankruptcy inaccurately listed on my credit report. I believe this failure violates the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), as outlined in your recent lawsuit against Experian.\n\nDetails of the Dispute : Failure to Verify with 100 % Accuracy : Despite my repeated disputes, Experian has claimed they verified the bankruptcy with a third-party vendor but failed to demonstrate that the item is accurate, complete, and verifiable, as required under Section 605B of the FCRA.\n\nSham Investigation Practices : Experian has engaged in inadequate dispute investigations, relying solely on third-party vendors without conducting an independent and thorough review, a violation described in your lawsuit.\n\nViolation of Accuracy Standards : The reporting of this bankruptcy lacks the required accuracy and completeness mandated by the FCRA. Experian 's refusal to remove this item without substantiating its validity undermines my rights under federal law.\n\nRelevant Legal References : FCRA Section 605B : This section obligates Experian to block information that can not be verified as accurate, complete, and directly related to me. \nCFPB Allegations Against Experian : As noted in your XX/XX/year>, press release, Experian routinely fails to conduct proper investigations, mismanages consumer disputes, and allows inaccuracies to persist on consumer reports. \nRequest for Resolution : I request the CFPB to enforce the following actions : Compel Experian to provide direct evidence that this bankruptcy is mine and that it is reporting with 100 % accuracy. \nRequire Experian to remove the bankruptcy if they can not verify it in compliance with FCRA standards. \nImpose penalties on Experian for failing to adhere to federal laws protecting consumers from the consequences of inaccurate credit reporting. \nThis unresolved dispute has negatively impacted my financial opportunities, access to credit, and overall well-being. I trust the CFPB will take appropriate action to ensure compliance and protect consumers like me. \n\nThank you for your time and assistance. I look forward to your response.","date_sent_to_company":"2025-01-10T01:55:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"631XX","tags":null,"has_narrative":true,"complaint_id":"11448506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-10T01:47:42.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["ubject : <em>Dispute</em> of Incorrect Bankruptcy Reporting by <em>Experian</em> in <em>Violation</em> of <em>FCRA</em> and Related Laws <em>Dear</em> CFPB, I am filing this complaint against <em>Experian</em> for their continued failure to <em>investigate</em> and resolve my <em>dispute</em> regarding a bankruptcy inaccurately listed on my credit report. I believe this failure <em>violates</em> the Fair Credit Reporting Act ( <em>FCRA</em> ) and the Consumer Financial Protection Act ( CFPA ), as outlined in your recent lawsuit against <em>Experian</em>."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.594725,"11448506"]},{"_index":"complaint-public-v1","_id":"11812669","_score":20.105577,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Subject : Dispute of Violation of FCRA 1681o ( Willful Noncompliance ) Dear Sir/Madam, I am writing to formally dispute the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, regarding your failure to properly address my dispute within the required time frame and in compliance with the provisions of the FCRA.\n\nThe details of the disputed item ( s ) are as follows : Collections Late payments Bankruptcy I submitted a dispute and despite the 30-day investigation period required under FCRA, I have not received a resolution or response, violating my rights under FCRA Section 1681o. '' ] Under FCRA Section 1681o, I am entitled to seek redress if your failure to comply with the FCRA was willful, causing me harm or injury. I am requesting that you investigate the dispute once again in full compliance with the FCRA, or I may consider pursuing further legal action for any damages I may have incurred as a result of your failure to properly investigate Thank you for your attention to this matter. I expect a prompt resolution in line with the law. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-28T16:26:58.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"077XX","tags":null,"has_narrative":true,"complaint_id":"11812669","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-28T16:07:12.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX <em>Experian</em> Subject : <em>Dispute</em> of <em>Violation</em> of <em>FCRA</em> 1681o ( Willful Noncompliance ) <em>Dear</em> Sir/Madam, I am writing to formally <em>dispute</em> the <em>violation</em> of my rights under the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically <em>Section</em> 1681o, regarding your failure to properly address my <em>dispute</em> within the required time frame and in compliance with the provisions of the <em>FCRA</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.105577,"11812669"]},{"_index":"complaint-public-v1","_id":"10483417","_score":20.06355,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian for failing to properly investigate and verify the accuracy of information on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). \n\nOn XX/XX/year>, I submitted a dispute regarding the account reported by XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX simple through Experians online dispute system. I indicated that the account was incorrect and did not belong to me. In accordance with the FCRA, Experian was required to verify the accuracy of the disputed information by obtaining proper documentation from the furnisher or remove the account from my credit report. \n\nHowever, today, XX/XX/year>, I received a notice from Experian stating that the account had been verified and would remain on my credit report. Experian failed to provide any documentation or evidence to support this verification. I believe this response does not comply with the requirements of the FCRA to conduct a proper investigation.\n\nViolations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 611 ( 15 U.S.C. 1681i ) Experian is required to conduct a reasonable investigation of disputed information within 30 days. I do not believe a thorough investigation was conducted, and Experian did not obtain sufficient verification from the furnisher.\n\n2. Section 609 ( 15 U.S.C. 1681g ) I requested verification of the account, including documentation to show that the debt or account belongs to me, but Experian has not provided any such evidence. 3. Section 611 ( a ) ( 5 ) If the disputed information can not be verified, the credit reporting agency is obligated to delete or correct it. Despite the lack of proper verification, Experian has continued to report this account on my credit file.\n\nRelief Requested : I request that the CFPB investigate this matter and ensure that Experian provides adequate verification documentation for the disputed account or removes the account from my credit report if they are unable to provide proper verification. \n\nThank you for your attention to this matter.","date_sent_to_company":"2024-10-17T03:17:25.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"29708","tags":null,"has_narrative":true,"complaint_id":"10483417","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-10-17T03:04:40.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I believe this response does not comply with the requirements of the <em>FCRA</em> to conduct a proper <em>investigation</em>.\n\n<em>Violations</em> of the Fair Credit Reporting Act ( <em>FCRA</em> ) : 1. <em>Section</em> 611 ( 15 U.S.C. 1681i ) <em>Experian</em> is required to conduct a reasonable <em>investigation</em> of <em>disputed</em> information within 30 days. I do not believe a thorough <em>investigation</em> was conducted, and <em>Experian</em> did not obtain sufficient verification from the furnisher.\n\n2."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.06355,"10483417"]},{"_index":"complaint-public-v1","_id":"11525596","_score":20.032675,"_source":{"product":"Debt collection","complaint_what_happened":"Re : Inaccurate Information and Investigation Failures Dear Sir/Madam, I am writing to formally address the inaccuracies and failures in the dispute/investigation of the following accounts on my credit report, as maintained by Experian : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX I have reviewed my credit report and identified several instances where the information provided is not accurate. It is my understanding that Experian, as a credit reporting agency, is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that the information reported is both complete and accurate. However, my dispute has not been properly investigated, and critical issues remain unresolved. Specifically, I am raising the following legal violations : 1. Failure to Conduct a Proper Investigation ( FCRA Section 611 ( a ) ) Under the FCRA, Experian is required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. In the case of these accounts, I did not see any investigative details nor was I provided with clear documentation outlining the steps that Experian took to verify the accuracy of the information. This lack of transparency is a direct violation of the requirement for a complete and thorough investigation.\n\n2. Failure to Ensure Maximum Possible Accuracy ( FCRA Section 607 ( b ) ) Experian has an obligation to report accurate and complete information. In the cases of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Funding, and National Credit Adjusters, the information reported is either incomplete, outdated, or inaccurate. These inaccuracies violate the FCRAs mandate for maximum accuracy, and they have caused unnecessary harm to my credit profile.\n\n3. Failure to Include Relevant Investigative Details ( FCRA Section 609 ( a ) ( 1 ) ) As part of the credit report dispute process, I am entitled to receive a complete summary of the investigation that includes all details, evidence, and any supporting documentation obtained during the investigation of disputed accounts. \n\nExperian has failed to provide this information, leaving me in the dark regarding the specifics of how the dispute was handled. This lack of documentation and failure to provide a complete investigation process violates my rights under the FCRA. \nGiven these violations, I request that you take immediate action to correct the following : Remove and delete the above listed accounts Ensure that my credit report is updated with complete and accurate information, as required by law. \n\nI respectfully ask for the correction of these issues and request confirmation in writing once the accounts have been deleted. If these inaccuracies are not resolved in accordance with FCRA guidelines, I will have no choice but to consider further legal actions and seeking judicial remedies. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-01-14T20:18:44.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"48314","tags":null,"has_narrative":true,"complaint_id":"11525596","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-14T20:05:27.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Failure to Conduct a Proper <em>Investigation</em> ( <em>FCRA</em> <em>Section</em> 611 ( a ) ) Under the <em>FCRA</em>, <em>Experian</em> is required to conduct a reasonable <em>investigation</em> of <em>disputed</em> information within 30 days of receiving a <em>dispute</em>. In the case of these accounts, I did not see any <em>investigative</em> details nor was I provided with clear documentation outlining the steps that <em>Experian</em> took to verify the accuracy of the information."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[20.032675,"11525596"]},{"_index":"complaint-public-v1","_id":"14786012","_score":20.01829,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Subject : Formal Complaint - Experian 's Unfair Investigation and FCRA Violations Dear CFPB, I am submitting this formal complaint against Experian regarding unfair investigation practices and multiple FCRA violations related to an account reported on my credit report. \nThe account in question is a XXXX XXXX ( Account # XXXX ), reported as a charge-off by Experian. The agency has continued to reflect the account as a charge-off from XX/XX/XXXX through XX/XX/XXXX, alongside inconsistent delinquencies post-charge-off. \nI believe this is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : - Section 1681e ( b ) : Failure to maintain maximum possible accuracy - Section 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation after dispute - Section 1681s-2 ( b ) : Failure to correct or remove inaccurate information after being notified by the consumer - Repeated reporting of a charge-off across multiple months violates Metro 2 compliance, which mandates a charge-off be reported as a one-time status.\n\nI submitted prior disputes to Experian requesting correction or deletion, but they failed to perform a meaningful investigation and allowed the inaccurate data to persist.\n\nI request that the CFPB investigate this matter and hold Experian accountable for their negligent reporting and failure to comply with federal law.","date_sent_to_company":"2025-07-20T18:18:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11203","tags":null,"has_narrative":true,"complaint_id":"14786012","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-20T18:09:16.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Subject : Formal Complaint - <em>Experian</em> 's Unfair <em>Investigation</em> and <em>FCRA</em> <em>Violations</em> <em>Dear</em> CFPB, I am submitting this formal complaint against <em>Experian</em> regarding unfair <em>investigation</em> practices and multiple <em>FCRA</em> <em>violations</em> related to an account reported on my credit report. \nThe account in question is a XXXX XXXX ( Account # XXXX ), reported as a charge-off by <em>Experian</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[20.01829,"14786012"]},{"_index":"complaint-public-v1","_id":"11490673","_score":19.98114,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Complaint Resolution Team, I am writing to formally file a complaint against Experian regarding their failure to conduct a proper investigation into a dispute I submitted about an inaccurate XXXX XXXX XXXX XXXX account listed on my credit report. The account information reported by Experian violates the Fair Credit Reporting Act ( FCRA ), and Experians handling of my dispute exemplifies the same improper investigation practices cited in the XXXX recent lawsuit against Experian. \n\nSummary of My Complaint : Failure to Conduct a Proper Investigation : I disputed the XXXX XXXX XXXX XXXX account with Experian due to significant inaccuracies, including mismatched account numbers, inconsistent opening dates, incorrect last payment dates, and discrepancies in the account status. Despite my providing supporting documentation and evidence, Experian failed to provide a meaningful investigation or a reasonable expla\n\nnation of their verification method. Inability to Verify Data : In accordance with FCRA Section 611 ( a ) ( 7 ), I requested Experian disclose the method of verification used to confirm the accuracy of the disputed account. Experian failed to respond with adequate details, which directly violates my rights under FCRA Section 611 ( a ) ( 6 ) and ( 7 ).\n\nImproper Reporting of Inaccurate Information : Experian continues to report this inaccurate account on my credit report despite having no verifiable evidence of its legitimacy. This negligence is further compounded by their failure to ensure the accuracy and completeness of the information, as mandated by FCRA Section 607 ( b ).\n\nImpact of Data Breach on My Consumer Data : As a victim of Experian 's recent data breach, I have reason to believe that my personal information may have been compromised, further calling into question the integrity of the disputed account and the verification process Experian used.\n\nCFPB Lawsuit Against Experian : The CFPB has recently taken legal action against Experian for failing to comply with the FCRA by engaging in improper dispute investigation practices. My experience mirrors the issues raised in the lawsuit : Experians systemically flawed dispute handling processes have left me with unresolved inaccuracies on my credit report, despite my clear evidence and good-faith efforts to correct the record.\n\nLegal Basis for My Request : Under the FCRA, Experian is obligated to : Conduct a reasonable investigation into disputes submitted by consumers ( FCRA Section 611 ).\n\nDelete the unverifiable information within 30 days ( FCRA Section 611 ( a ) ( 1 ) ( A ) ).\n\nProvide a detailed explanation of the method of verification upon consumer request ( FCRA Section 611 ( a ) ( 7 ) ).\n\nEnsure maximum possible accuracy of consumer reports ( FCRA Section 607 ( b ) ).\n\nExperians failure to comply with these statutory requirements is not only a violation of my consumer rights but also indicative of the systemic problems highlighted in the CFPBs legal action against them.\n\nRequested Resolution : Given Experians inability to verify the disputed account and their history of improper dispute investigations, I am requesting the CFPB : Investigate Experians handling of my dispute to ensure compliance with FCRA requirements. \nOrder the immediate deletion of the inaccurate XXXX XXXX XXXX XXXX account from my Experian credit report. \nRequire Experian to provide detailed documentation supporting their investigation and verification methods for this account. \nI have enclosed copies of the following documents for your review : My initial dispute letter to Experian. \nExperians response ( if any ) to my request for verification.\n\nA copy of my Experian credit report showing the disputed account.\n\nI trust the CFPB will hold Experian accountable for their continued non-compliance with federal laws and protect consumers like me from the harm caused by their improper investigation practices. \n\nThank you for your attention to this matter. I look forward to your prompt response.","date_sent_to_company":"2025-01-12T14:54:24.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"35215","tags":null,"has_narrative":true,"complaint_id":"11490673","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-12T14:49:00.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB Complaint Resolution Team, I am writing to formally file a complaint against <em>Experian</em> regarding their failure to conduct a proper <em>investigation</em> into a <em>dispute</em> I submitted about an inaccurate XXXX XXXX XXXX XXXX account listed on my credit report. The account information reported by <em>Experian</em> <em>violates</em> the Fair Credit Reporting Act ( <em>FCRA</em> ), and <em>Experians</em> handling of my <em>dispute</em> exemplifies the same improper <em>investigation</em> practices cited in the XXXX recent lawsuit against <em>Experian</em>."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.98114,"11490673"]},{"_index":"complaint-public-v1","_id":"7518600","_score":19.940971,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal Dispute and Demand for Investigation - Violations of FCRA Section 611 ( a ) ( 1 ) ( A ) Dear Experian Dispute Department, I am writing to reiterate my deep concern and dissatisfaction with Experian 's handling of my credit report dispute, Case # [ XXXX } and to provide further evidence of non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ). \n\nAs previously communicated, I submitted an initial complaint to the Federal Trade Commission ( FTC ) outlining the issues with my credit report. Furthermore, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and this complaint was duly verified with CFPB Complaint Number : XXXX. \n\nThese actions should serve as irrefutable evidence of the seriousness of the inaccuracies in my credit report and Experian 's continued negligence in addressing them. Both the FTC and CFPB complaints underscore my ongoing efforts to rectify these issues, which have persisted for over a year. \n\nI hereby demand that Experian conducts a comprehensive investigation into this matter, utilizing the information provided in both the FTC and CFPB complaints as reference points for your inquiry. The blatant violations of FCRA Section 611 ( a ) ( 1 ) ( A ), as outlined in my previous correspondence, must be addressed immediately. \n\nI expect Experian to take swift and decisive action to resolve this dispute and to communicate the results of your investigation to me within 30 days from the receipt of this letter. \n\nFailure to address these concerns adequately will leave me with no choice but to pursue legal remedies and seek damages for the continued violations of my rights under the FCRA. \n\nI urge Experian to treat this matter with the urgency and gravity it deserves. Timely resolution and adherence to the law are the only acceptable outcomes in this situation. \n\nSincerely, XXXX [ Enclosures : Copies of FTC and CFPB complaints, proof of delivery ]","date_sent_to_company":"2023-09-08T05:37:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"7518600","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-09-08T05:15:18.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["<em>Experian</em> <em>Dispute</em> Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal <em>Dispute</em> and Demand for <em>Investigation</em> - <em>Violations</em> of <em>FCRA</em> <em>Section</em> 611 ( a ) ( 1 ) ( A ) <em>Dear</em> <em>Experian</em> <em>Dispute</em> Department, I am writing to reiterate my deep concern and dissatisfaction with <em>Experian</em> 's handling of my credit report <em>dispute</em>, Case # [ XXXX } and to provide further evidence of non-compliance with the Fair Credit Reporting Act ( <em>FCRA</em> ), specifically <em>Section</em> 611 ( a ) ( 1 ) ( A )."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.940971,"7518600"]},{"_index":"complaint-public-v1","_id":"7659256","_score":19.85207,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian, I am writing to file a formal dispute regarding the following inaccuracies present on my Experian credit report, as of XX/XX/XXXX. These discrepancies not only violate the Fair Credit Reporting Act ( FCRA ) but also highlight Experian 's non-compliance with federal credit reporting laws : XXXX XXXX Lease with account # XXXX opened on XXXX and a balance of {$0.00} : Violation : FCRA Section 623 ( a ) ( 2 ) ( A ) ( i ) Experian is in violation of FCRA by failing to accurately report the status of this account. It has been charged off, and I have no outstanding obligations to the creditor. Yet, Experian continues to erroneously reflect a balance due. \nCollection account from XXXX XXXX XXXX with account # XXXX and a balance of {$350.00}. The original creditor is XXXX XXXX XXXX : Violation : FCRA Section 623 ( a ) ( 1 ) ( C ) Experian is in violation of FCRA by not verifying the accuracy of this account. I dispute the amount and the open date and request validation through the last billing statement from the original creditor, displaying the amount and due date. Failure to do so violates the FCRA. \nCollection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXXXXXX XXXX : Violation : FCRA Section 623 ( a ) ( 1 ) ( C ) Experian is in violation of FCRA by not verifying the accuracy of this account. I dispute the amount and the open date and request validation through the last billing statement from the original creditor, displaying the amount and due date. Failure to do so violates the FCRA. \nCollection account from XXXX XXXX XXXX with account # XXXX and a balance of {$4200.00}. The original creditor is XXXXXXXX XXXX XXXXXXXX XXXX  : Violation : FCRA Section 623 ( a ) ( 1 ) ( C ) Experian is in violation of FCRA by not verifying the accuracy of this account. I dispute the amount and the open date and request validation through the last billing statement from the original creditor, displaying the amount and due date. Failure to do so violates the FCRA. \nInquiry from XXXXXXXX XXXX XXXX XXXX : Violation : FCRA Section 604 ( b ) ( 3 ) ( A ) Experian is in violation of FCRA for allowing a hard inquiry without my authorization. \nConsequences of Violating the Fair\n\nCredit Reporting Act : FCRA Section 623 ( a ) ( 2 ) ( A ) ( i ) : Failure to correct inaccuracies may result in civil liability. FCRA Section 623 ( a ) ( 1 ) ( C ) : Failure to investigate and verify disputed accounts may lead to penalties. \nFCRA Section 604 ( b ) ( 3 ) ( A ) : Unauthorized inquiries may result in penalties. \nI request that Experian conducts a thorough investigation into these violations and promptly corrects or deletes the disputed information in compliance with FCRA. Any evidence uncovered during the investigation should be sent to the above address as required by the FCRA. \n\nFailure to comply with the FCRA by not rectifying these inaccuracies within 30 days may lead to legal action, including civil liability and penalties, as permitted under the FCRA. \n\nSincerely, XXXX XXXX Please ensure that you review the letter for accuracy and fill in your personal information before submitting it to the Fair Credit Protection Bureau.","date_sent_to_company":"2023-10-07T06:48:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"782XX","tags":"Servicemember","has_narrative":true,"complaint_id":"7659256","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-10-07T06:36:21.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Inquiry from XXXXXXXX XXXX XXXX XXXX : <em>Violation</em> : <em>FCRA</em> <em>Section</em> 604 ( b ) ( 3 ) ( A ) <em>Experian</em> is in <em>violation</em> of <em>FCRA</em> for allowing a hard inquiry without my authorization. \nConsequences of <em>Violating</em> the Fair\n\nCredit Reporting Act : <em>FCRA</em> <em>Section</em> 623 ( a ) ( 2 ) ( A ) ( i ) : Failure to correct inaccuracies may result in civil liability. <em>FCRA</em> <em>Section</em> 623 ( a ) ( 1 ) ( C ) : Failure to <em>investigate</em> and verify <em>disputed</em> accounts may lead to penalties."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.85207,"7659256"]},{"_index":"complaint-public-v1","_id":"9798771","_score":19.8445,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"RE : XXXX Dear CFPB Team, I am writing to formally submit a complaint against Experian regarding their failure to provide documentation and their misleading communications concerning my credit report. Despite my repeated requests for clarification, Experian has not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 605.\n\nExperians online portal indicates that their investigation into the disputed account has been completed and that the account has been updated. However, this contradicts the information previously reported to the CFPB, where the status of my dispute remains unresolved. This discrepancy raises serious concerns about Experians compliance with the FCRA, which mandates that consumers have the right to dispute inaccuracies and receive a thorough investigation.\n\nUnder Section 611 ( a ) of the FCRA, credit reporting agencies are required to conduct a reasonable investigation of a consumers dispute and provide documentation that supports their findings. Experians failure to provide the necessary documentation regarding the disputed account is not only unjust but also a violation of my rights as a consumer. This lack of transparency has resulted in significant financial hardship and emotional distress, impacting my ability to secure credit and manage my financial obligations.\n\nI demand that Experian take immediate action to resolve this matter by providing the documentation supporting their claims. Furthermore, I request that the CFPB investigate this issue thoroughly to ensure Experian complies with the FCRA and takes appropriate action to rectify their reporting practices.\n\nIn addition, due to the financial hardship and emotional stress caused by this situation, I seek guidance on how to pursue compensation for the damages incurred as a result of Experian 's actions. \n\nThank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-08-14T21:38:25.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"392XX","tags":null,"has_narrative":true,"complaint_id":"9798771","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-08-14T21:26:40.000Z","state":"MS","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Under <em>Section</em> 611 ( a ) of the <em>FCRA</em>, credit reporting agencies are required to conduct a reasonable <em>investigation</em> of a consumers <em>dispute</em> and provide documentation that supports their findings. <em>Experians</em> failure to provide the necessary documentation regarding the <em>disputed</em> account is not only unjust but also a <em>violation</em> of my rights as a consumer."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.8445,"9798771"]},{"_index":"complaint-public-v1","_id":"12184419","_score":19.825817,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12184419","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-23T15:56:50.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The failure to provide this information constitutes a <em>violation</em> of my consumer rights under the <em>FCRA</em>. \n\n<em>Violations</em> Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper <em>Investigation</em> ( <em>FCRA</em> 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable <em>investigation</em>"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.825817,"12184419"]},{"_index":"complaint-public-v1","_id":"12184410","_score":19.812504,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12184410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-02-23T16:23:57.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The failure to provide this information constitutes a <em>violation</em> of my consumer rights under the <em>FCRA</em>. \n\n<em>Violations</em> Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper <em>Investigation</em> ( <em>FCRA</em> 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable <em>investigation</em>"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.812504,"12184410"]},{"_index":"complaint-public-v1","_id":"11846629","_score":19.79049,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to file a formal complaint against Experian for failing to comply with Metro 2 data reporting standards and the Fair Credit Reporting Act ( FCRA ). Despite previous assurances that inaccurate information would be removed, Experian has re-inserted erroneous accounts and has not properly investigated disputes or corrected unauthorized inquiries. This ongoing issue violates both the FCRA and Metro 2 standards governing the reporting of consumer information and handling of disputes.\n\nKey Issues : Re-insertion of Erroneous Information ( Metro 2 Section 1.3.1 ) : On XX/XX/XXXX, Experian confirmed that an inaccurate account was deleted from my credit report following a dispute. However, this same erroneous account, along with a new collection, has been re-inserted without any new documentation or investigation to substantiate its accuracy. Metro 2 Section 1.3.1 prohibits the re-insertion of deleted information unless valid supporting documentation is provided by the furnisher, which Experian has not done. This is a clear violation of Metro 2 guidelines and the FCRA.\n\nFailure to Fully Investigate Disputes ( Metro 2 Section 3.0.1 ) : I have filed disputes regarding several inaccurate entries, including unauthorized inquiries. Despite providing the necessary supporting documentation, Experian has failed to investigate these disputes in a timely and thorough manner as required by Metro 2 Section 3.0.1. Metro 2 mandates that all disputes be investigated and resolved with accurate information and proper validation, but Experian has not fulfilled this obligation.\n\nFailure to Meet Timeliness Requirements ( Metro 2 Section 3.0.3 ) : Metro 2 Section 3.0.3 specifies that disputes must be resolved within 30 days. Experian has consistently failed to meet this deadline, prolonging the presence of inaccurate information on my credit report. This delay is in direct violation of Metro 2s timeliness requirements and the FCRA.\n\nFailure to Ensure Accuracy of Reported Information ( Metro 2 Section 1.1.1 ) : According to Metro 2 Section 1.1.1, credit reporting agencies must report accurate and complete information. Experians failure to investigate disputes properly, re-insert deleted information, and leave erroneous entries unresolved violates this requirement and harms my credit standing. \n\nRequest for Action : Immediate Deletion of Erroneous Information : I request that Experian immediately delete the re-inserted inaccurate account and collection from my credit report, as required by Metro 2 guidelines. \n\nXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ongoing Issues : I have been forced to file multiple formal complaints with the CFPB due to Experians failure to resolve these issues. Experians lack of compliance with Metro 2 guidelines and FCRA requirements has caused significant damage to my credit profile, and I respectfully ask that the CFPB intervene to ensure proper resolution.","date_sent_to_company":"2025-01-30T23:39:09.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"92373","tags":"Servicemember","has_narrative":true,"complaint_id":"11846629","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-30T23:17:12.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Metro 2 <em>Section</em> 1.3.1 prohibits the re-insertion of deleted information unless valid supporting documentation is provided by the furnisher, which <em>Experian</em> has not done. This is a clear <em>violation</em> of Metro 2 guidelines and the <em>FCRA</em>.\n\nFailure to Fully <em>Investigate</em> <em>Disputes</em> ( Metro 2 <em>Section</em> 3.0.1 ) : I have filed <em>disputes</em> regarding several inaccurate entries, including unauthorized inquiries."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.79049,"11846629"]},{"_index":"complaint-public-v1","_id":"12180712","_score":19.788563,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. \n\nDetails of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.\n\nUnder the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.\n\nInstead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). \nThe failure to provide this information constitutes a violation of my consumer rights under the FCRA. \n\nViolations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation","date_sent_to_company":"2025-02-23T16:24:22.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"28412","tags":null,"has_narrative":true,"complaint_id":"12180712","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-02-23T16:23:57.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["The failure to provide this information constitutes a <em>violation</em> of my consumer rights under the <em>FCRA</em>. \n\n<em>Violations</em> Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper <em>Investigation</em> ( <em>FCRA</em> 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable <em>investigation</em>"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[19.788563,"12180712"]},{"_index":"complaint-public-v1","_id":"12204958","_score":19.698534,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for FCRA Violation Unauthorized Reinsertion of Previously Removed Accounts Dear Consumer, Financial Protection Bureau, I am filing a formal complaint against Experian for violating Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).\n\nI previously disputed several inaccurate accounts on my credit report due to identity theft. Experian investigated the matter and subsequently removed the following accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, I recently discovered that these accounts have been reinserted without any prior notification, which is a direct violation of FCRA regulations. \nAs you are aware, FCRA Section 611 ( a ) ( 5 ) ( B ) requires credit reporting agencies to notify consumers within XXXX business days if previously deleted information is reinserted. Experian failed to provide me with such notice, causing undue stress and potential damage to my credit profile. \nI have attempted to resolve this issue directly with Experian, but they have failed to provide an adequate response. I am now requesting CFPBs intervention to ensure Experian complies with the law and removes these unauthorized reinsertions immediately. \nEnclosed with this letter are copies of : My initial dispute letter regarding the above accounts Confirmation from Experian of the accounts removal Documentation proving the unauthorized reinsertions My recent dispute with Experian regarding this issue I appreciate your prompt attention to this matter and your assistance in holding Experian accountable for this clear violation of federal law. Please let me know if you require any additional information to proceed with the investigation.","date_sent_to_company":"2025-02-25T23:19:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"19111","tags":null,"has_narrative":true,"complaint_id":"12204958","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-02-25T23:19:15.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against <em>Experian</em> for <em>FCRA</em> <em>Violation</em> Unauthorized Reinsertion of Previously Removed Accounts <em>Dear</em> Consumer, Financial Protection Bureau, I am filing a formal complaint against <em>Experian</em> for <em>violating</em> <em>Section</em> 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( <em>FCRA</em> ).\n\nI previously <em>disputed</em> several inaccurate accounts on my credit report due to identity theft."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.698534,"12204958"]},{"_index":"complaint-public-v1","_id":"13279602","_score":19.609522,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am filing this complaint against Experian for inaccurate reporting of my XXXX XXXX XXXX account ( Account Number : XXXX ), which violates the Fair Credit Reporting Act ( FCRA ). Experians actions have caused significant financial harm, costing me thousands annually in higher interest rates and denied credit opportunities. \n\nExperians report, dated XX/XX/XXXX, lists this account with a {$260.00} balance, a charge-off status as of XX/XX/XXXX, and 59 potentially negative months. However, XXXX report, dated XX/XX/XXXX, correctly shows the account as closed with a {$0.00} balance since XX/XX/XXXX and \" pays as agreed '' status. This discrepancy indicates Experian is re-aging the account by falsely updating its status and balance, a direct violation of FCRA Section 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ), which prohibits inaccurate reporting of delinquency dates. Additionally, Experian failed to conduct a reasonable investigation after my disputes, as required by FCRA Section 611 ( 15 U.S.C. 1681i ), and did not provide detailed verification methods or a 1099-C form for the alleged charge-off, further violating FCRA regulations.\n\nI demand that Experian : Cease re-aging the account and provide proof of a proper investigation, including the 1099-C form.\n\nI have attached copies of both credit reports, my identification, and proof of address. Please investigate Experians violations and ensure compliance with the FCRA. I expect a resolution and will monitor my credit report for corrections.","date_sent_to_company":"2025-05-01T14:43:03.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33919","tags":null,"has_narrative":true,"complaint_id":"13279602","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-01T14:42:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Additionally, <em>Experian</em> failed to conduct a reasonable <em>investigation</em> after my <em>disputes</em>, as required by <em>FCRA</em> <em>Section</em> 611 ( 15 U.S.C. 1681i ), and did not provide detailed verification methods or a 1099-C form for the alleged charge-off, further <em>violating</em> <em>FCRA</em> regulations.\n\nI demand that <em>Experian</em> : Cease re-aging the account and provide proof of a proper <em>investigation</em>, including the 1099-C form.\n\nI have attached copies of both credit reports, my identification, and proof of address."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.609522,"13279602"]},{"_index":"complaint-public-v1","_id":"12584228","_score":19.573368,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Failure to Correct Inaccurate Late Payments on My Credit Report Dear XXXX XXXX XXXX am filing a formal complaint against Experian for failing to correct inaccurate late payment information reported on my credit report. These late payments are erroneous, as I have never made any late payments on ANY of the accounts in question. Despite my repeated attempts to resolve the matter directly with Experian, they have ignored my dispute and failed to investigate or remove the incorrect information.\n\nHere are the details of my case : Section 1681i ( Reinvestigation of Disputed Information ) : Experian is required to investigate disputed information within 30 days. They have ignored my dispute and failed to correct the inaccuracies. \nSection 1681e ( b ) ( Accuracy of Information ) : Experian must ensure the accuracy of the information on my credit report. Their failure to address these incorrect late payments is a clear violation of this duty.\n\nSection 1681i ( a ) ( 1 ) ( A ) ( Resolution of Disputed Information ) : Experian is obligated to resolve disputes promptly and inform consumers of the outcome. They have not provided me with any response or corrected the reported errors.\n\nSection 1681n ( Civil Liability for Willful Noncompliance ) : Experians willful failure to correct the inaccuracies may warrant civil liability for damages under the FCRA.","date_sent_to_company":"2025-03-21T02:47:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"937XX","tags":null,"has_narrative":true,"complaint_id":"12584228","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-03-21T02:40:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Despite my repeated attempts to resolve the matter directly with <em>Experian</em>, they have ignored my <em>dispute</em> and failed to <em>investigate</em> or remove the incorrect information.\n\nHere are the details of my case : <em>Section</em> 1681i ( Reinvestigation of <em>Disputed</em> Information ) : <em>Experian</em> is required to <em>investigate</em> <em>disputed</em> information within 30 days. They have ignored my <em>dispute</em> and failed to correct the inaccuracies."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.573368,"12584228"]},{"_index":"complaint-public-v1","_id":"11505040","_score":19.554897,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to formally dispute the inaccurate information on my credit report maintained by Experian, as required by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. I have previously disputed this information with Experian, but they have failed to conduct a reasonable investigation and have improperly reinserted the inaccurate information onto my report. \n\n**Details of Dispute : ** 1. **Credit Report Information in Dispute : ** I dont know anything about these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inaccurate late payments are being shown. \nXXXX. **Date of Dispute : ** XX/XX/year> XXXX. **Experian 's Response : ** Experian conducted a sham investigation and failed to remove the inaccurate information. Instead, they reinserted the same inaccurate information after the dispute was resolved.\n\n**Violation of FCRA Codes : ** 1. **Section 611 ( a ) ( 1 ) ( A ) : ** Experian failed to conduct a reasonable investigation into my dispute, as required by FCRA [ 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) ].\n\n2. **Section 611 ( a ) ( 5 ) : ** Experian failed to provide me with a written notice of the results of the reinvestigation, including the business name, product, and the nature of the information upon which the reinvestigation was based [ 15 U.S.C . 1681i ( a ) ( 5 ) ].\n\n3. **Section 611 ( a ) ( 6 ) : ** Experian failed to remove or correct the inaccurate information from my credit report [ 15 U.S.C . 1681i ( a ) ( 6 ) ].\n\nI request that the CFPB investigate Experian 's practices and take appropriate action to ensure compliance with the FCRA. Additionally, I seek compensation for any damages incurred due to Experian 's violations. \n\nThank you for your attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-13T16:51:46.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"53218","tags":null,"has_narrative":true,"complaint_id":"11505040","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-13T16:42:41.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB, I am writing to formally <em>dispute</em> the inaccurate information on my credit report maintained by <em>Experian</em>, as required by the Fair Credit Reporting Act ( <em>FCRA</em> ) [ 15 U.S.C. 1681 et seq. ]. I have previously <em>disputed</em> this information with <em>Experian</em>, but they have failed to conduct a reasonable <em>investigation</em> and have improperly reinserted the inaccurate information onto my report. \n\n**Details of <em>Dispute</em> : ** 1."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.554897,"11505040"]},{"_index":"complaint-public-v1","_id":"11194217","_score":19.457293,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint to the CFPB and FTC Regarding Experians Mismanagement and Violations of FCRA and FDCPA Dear Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), I am writing to formally file a complaint against Experian for its continued mismanagement and deliberate disregard for proper procedures, standards, and legal obligations as outlined under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). \n\nThe following are specific issues I have encountered with Experians handling of my credit file : 1. Failure to Conduct Thorough Investigations : Experian consistently fails to conduct proper and thorough investigations into disputed items on my credit report. Despite clear requirements under the FCRA, Experian has either dismissed my disputes without proper review or prematurely closed them, often labeling them as updated, verified, or updated and verified within 1 day. Such rapid conclusions are indicative of a lack of due diligence and investigative effort. \n2. Neglecting Verification Standards : Experian routinely fails to adhere to guidelines requiring proper verification of accounts and statements before reporting them on my credit file. Despite multiple demands for proof, Experian has not furnished the requested documents or information necessary to validate the accuracy of the disputed items.\n\n3. Improper Handling of Disputes : Experian has made changes to disputes mid-investigation without notifying or consulting me, demonstrating a lack of transparency and procedural integrity. \nIn several instances, Experian has outright ignored my requests for documentation related to the method of verification, as required by the FCRA. \nWhen such requests were ignored, I escalated to demand resolution through arbitration or compensation as permitted by the FCRA, yet Experian failed to respond adequately or at all. \n4. Premature Closing of Disputes : Experian has closed disputes in an unreasonably short timeframe, often within 24 hours, without providing the necessary documentation or explanation to justify their decision. Such actions clearly violate the FCRAs requirement for a reasonable and thorough investigation. \n5. Negligence and Mismanagement : Experians negligence and mismanagement of my credit file have resulted in significant harm to my financial standing and reputation. The companys failure to adhere to statutory requirements and regulatory guidelines demonstrates willful disregard for consumers rights and protections. \n\nI believe Experians actionsor lack thereofconstitute a direct violation of the FCRA and FDCPA, specifically : Failure to conduct proper investigations of disputes ( FCRA Section 611 ).\n\nFailure to provide the method of verification when requested ( FCRA Section 609 ).\n\nFailure to ensure the maximum possible accuracy of consumer reports ( FCRA Section 607 ).\n\nNegligent and willful noncompliance with FCRA standards, entitling me to compensation for damages. \n\nI urge the CFPB and FTC to investigate Experians systemic noncompliance and hold the company accountable for its repeated violations. Consumers like me rely on credit reporting agencies to follow the law and protect the integrity of our financial records. Experians continued negligence and disregard for proper procedures have caused unnecessary financial and emotional distress.\n\nI request the following remedies : 1. Immediate correction of any inaccuracies on my credit report.\n\n2. Full disclosure of all methods of verification for disputed items. \n3. Monetary compensation for damages caused by Experians negligent and willful noncompliance with the FCRA and FDCPA.\n\n4. Regulatory penalties and enforcement actions against Experian to prevent future violations. \n\nI trust that the CFPB and FTC will take this matter seriously and investigate Experians misconduct. I am happy to provide additional documentation or details upon request. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]","date_sent_to_company":"2024-12-17T23:36:42.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11194217","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-17T23:36:40.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I believe <em>Experians</em> actionsor lack thereofconstitute a direct <em>violation</em> of the <em>FCRA</em> and FDCPA, specifically : Failure to conduct proper <em>investigations</em> of <em>disputes</em> ( <em>FCRA</em> <em>Section</em> 611 ).\n\nFailure to provide the method of verification when requested ( <em>FCRA</em> <em>Section</em> 609 ).\n\nFailure to ensure the maximum possible accuracy of consumer reports ( <em>FCRA</em> <em>Section</em> 607 ).\n\nNegligent and willful noncompliance with <em>FCRA</em> standards, entitling me to compensation for damages."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.457293,"11194217"]},{"_index":"complaint-public-v1","_id":"11194875","_score":19.449266,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint to the CFPB and FTC Regarding Experians Mismanagement and Violations of FCRA and FDCPA Dear Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), I am writing to formally file a complaint against Experian for its continued mismanagement and deliberate disregard for proper procedures, standards, and legal obligations as outlined under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).\n\nThe following are specific issues I have encountered with Experians handling of my credit file : 1. Failure to Conduct Thorough Investigations : Experian consistently fails to conduct proper and thorough investigations into disputed items on my credit report. Despite clear requirements under the FCRA, Experian has either dismissed my disputes without proper review or prematurely closed them, often labeling them as updated, verified, or updated and verified within 1 day. Such rapid conclusions are indicative of a lack of due diligence and investigative effort.\n\n2. Neglecting Verification Standards : Experian routinely fails to adhere to guidelines requiring proper verification of accounts and statements before reporting them on my credit file. Despite multiple demands for proof, Experian has not furnished the requested documents or information necessary to validate the accuracy of the disputed items.\n\n3. Improper Handling of Disputes : Experian has made changes to disputes mid-investigation without notifying or consulting me, demonstrating a lack of transparency and procedural integrity.\n\nIn several instances, Experian has outright ignored my requests for documentation related to the method of verification, as required by the FCRA.\n\nWhen such requests were ignored, I escalated to demand resolution through arbitration or compensation as permitted by the FCRA, yet Experian failed to respond adequately or at all.\n\n4. Premature Closing of Disputes : Experian has closed disputes in an unreasonably short timeframe, often within 24 hours, without providing the necessary documentation or explanation to justify their decision. Such actions clearly violate the FCRAs requirement for a reasonable and thorough investigation.\n\n5. Negligence and Mismanagement : Experians negligence and mismanagement of my credit file have resulted in significant harm to my financial standing and reputation. The companys failure to adhere to statutory requirements and regulatory guidelines demonstrates willful disregard for consumers rights and protections.\n\nI believe Experians actionsor lack thereofconstitute a direct violation of the FCRA and FDCPA, specifically : Failure to conduct proper investigations of disputes ( FCRA Section 611 ).\n\nFailure to provide the method of verification when requested ( FCRA Section 609 ).\n\nFailure to ensure the maximum possible accuracy of consumer reports ( FCRA Section 607 ).\n\nNegligent and willful noncompliance with FCRA standards, entitling me to compensation for damages.\n\nI urge the CFPB and FTC to investigate Experians systemic noncompliance and hold the company accountable for its repeated violations. Consumers like me rely on credit reporting agencies to follow the law and protect the integrity of our financial records. Experians continued negligence and disregard for proper procedures have caused unnecessary financial and emotional distress.\n\nI request the following remedies : 1. Immediate correction of any inaccuracies on my credit report.\n\n2. Full disclosure of all methods of verification for disputed items.\n\n3. Monetary compensation for damages caused by Experians negligent and willful noncompliance with the FCRA and FDCPA.\n\n4. Regulatory penalties and enforcement actions against Experian to prevent future violations.\n\nI trust that the CFPB and FTC will take this matter seriously and investigate Experians misconduct. I am happy to provide additional documentation or details upon request.\n\nThank you for your attention to this matter.\n\nSincerely, XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]","date_sent_to_company":"2024-12-17T23:36:30.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30312","tags":"Servicemember","has_narrative":true,"complaint_id":"11194875","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-17T23:16:33.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I believe <em>Experians</em> actionsor lack thereofconstitute a direct <em>violation</em> of the <em>FCRA</em> and FDCPA, specifically : Failure to conduct proper <em>investigations</em> of <em>disputes</em> ( <em>FCRA</em> <em>Section</em> 611 ).\n\nFailure to provide the method of verification when requested ( <em>FCRA</em> <em>Section</em> 609 ).\n\nFailure to ensure the maximum possible accuracy of consumer reports ( <em>FCRA</em> <em>Section</em> 607 ).\n\nNegligent and willful noncompliance with <em>FCRA</em> standards, entitling me to compensation for damages."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.449266,"11194875"]},{"_index":"complaint-public-v1","_id":"17551975","_score":19.4197,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Sir/Madam, I am writing to formally dispute certain items on my Experian credit report. I believe these items are inaccurate, and their reporting violates the Fair Credit Reporting Act ( FCRA ). Furthermore, I am concerned that my personal data may have been breached. I request a thorough investigation into the following accounts and request corrections where necessary.\n\nDisputed Accounts on Experian Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  Balance XXXX {$14000.00} Account Status : Closed Date Opened : XXXX Violations : FCRA Violations : o The account is reported as a collection, but I have disputed the accuracy of this account. Under FCRA Section 1681i, all accounts under dispute must be correctly reported during the investigation process. \no The balance is incorrectly reported as unpaid, which violates FCRA Section 1681e ( b ).\n\nXXXX XXXX XXXX ( Line of Credit ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX Balance : {$49.00} Account Status : Open Date Opened : XXXX Violations : FCRA Violations : o The account is inaccurately marked as open with incomplete reporting of the payment history. FCRA Section 1681c requires that all account information be accurate and complete. \no The late payment status is incorrectly reported, violating FCRA Section 1681e ( b ), which requires the reporting of accurate payment histories.","date_sent_to_company":"2025-11-27T17:50:13.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"36116","tags":null,"has_narrative":true,"complaint_id":"17551975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-11-27T17:46:25.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Dear</em> Sir/Madam, I am writing to formally <em>dispute</em> certain items on my <em>Experian</em> credit report. I believe these items are inaccurate, and their reporting <em>violates</em> the Fair Credit Reporting Act ( <em>FCRA</em> ). Furthermore, I am concerned that my personal data may have been breached. I request a thorough <em>investigation</em> into the following accounts and request corrections where necessary."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.4197,"17551975"]},{"_index":"complaint-public-v1","_id":"11296533","_score":19.41269,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am writing to formally file a complaint against Experian for what I believe are serious violations of the Fair Credit Reporting Act ( FCRA ). My concerns include Experians unauthorized opening of disputes on my behalf, which appears to be a tactic to reset the statutory 30-day dispute resolution timeline, as well as their failure to provide accessible dispute results. These actions have caused significant delays in resolving inaccuracies on my credit report and have undermined my rights as a consumer.\n\nBackground and Evidence : 1.Unauthorized Disputes : 3.Experian has opened multiple disputes without my consent. Based on my review, there are at least 20 disputes that I did not initiate. This practice appears to be an attempt to extend the statutory 30-day period for resolving disputes under the FCRA by resetting the timeline with each new dispute. This is both misleading and detrimental to consumers attempting to resolve legitimate credit inaccuracies.\n\n2.Unavailable Dispute Results : For the disputes that I did initiate, Experian has failed to provide results in a timely and accessible manner. Attached are screenshots showing that my dispute results are currently not available online, despite being informed they are ready. The disputes in question include the following report numbers : Report Number : XXXX ( Generated on XX/XX/year> ) Report Number : XXXX ( Generated on XX/XX/year> ) Report Number : XXXX ( Generated on XX/XX/year> ) XXXX. Failure to Communicate Effectively : Experian has provided no clear explanation for why dispute results are unavailable or how I can access them. The only recourse offered is a phone number ( XXXX ), which has not resolved these issues or provided clarity on unauthorized disputes. \nFCRA Violations : Experians actions appear to violate several provisions of the FCRA, including : Section 611 ( a ) ( 1 ) ( A ) : Requiring credit reporting agencies to investigate disputes within 30 days of receipt unless additional information is provided by the consumer. By opening unauthorized disputes, Experian seems to be circumventing this requirement.\n\nSection 611 ( a ) ( 6 ) : Requiring agencies to provide consumers with written notice of investigation results and corrections made. Experians failure to provide accessible dispute results violates this obligation.\n\nSection 611 ( a ) ( 5 ) : Mandating that unverifiable or inaccurate information be corrected or deleted promptly. The delays caused by unauthorized disputes prevent timely resolution of inaccuracies.","date_sent_to_company":"2024-12-27T18:57:26.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"86406","tags":null,"has_narrative":true,"complaint_id":"11296533","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-12-27T18:48:04.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Was not notified of investigation status or results"},"highlight":{"complaint_what_happened":["The only recourse offered is a phone number ( XXXX ), which has not resolved these issues or provided clarity on unauthorized <em>disputes</em>. \n<em>FCRA</em> <em>Violations</em> : <em>Experians</em> actions appear to <em>violate</em> several provisions of the <em>FCRA</em>, including : <em>Section</em> 611 ( a ) ( 1 ) ( A ) : Requiring credit reporting agencies to <em>investigate</em> <em>disputes</em> within 30 days of receipt unless additional information is provided by the consumer. By opening unauthorized <em>disputes</em>, <em>Experian</em> seems to be circumventing this requirement."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["Was not notified of <em>investigation</em> status or results"]},"sort":[19.41269,"11296533"]},{"_index":"complaint-public-v1","_id":"13526578","_score":19.392557,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB, I am escalating my original complaint ( reference number XXXX ) regarding the fraudulent reinsertion of a XXXX XXXX XXXX XXXX account into my credit report, which was initially removed in XX/XX/year>. In XX/XX/year>, Experian reinserted the same account back into my report with altered metadata, including backdated late payments, without providing written notice as required by FCRA 1681i ( a ) ( 5 ) ( B ). \n\nAs of XX/XX/year>, it has been over a month since this reinsertion occurred, and Experian has failed to mark the account as disputed, despite the fact that I have clearly disputed the fraudulent account. FCRA 1681i ( a ) ( 3 ) mandates that if a consumer disputes an account, it must be marked as disputed while the dispute is under investigation. Experian 's failure to comply with this requirement, combined with the failure to comply with FCRA and Metro 2 standards, has caused significant harm.\n\nLegal Violations : FCRA Section 1681i ( a ) ( 5 ) ( B ) : Reinsertion of a fraudulent account without written notice to the consumer. \n\nFCRA Section 1681i ( a ) ( 3 ) : Failure to mark the fraudulent account as disputed during the investigation process. \n\nMetro 2 Compliance : Experians reporting fails to meet the Metro 2 standards for accurate and compliant credit reporting, especially regarding disputed accounts.\n\nPrivate Cause of Action : Under FCRA Section 1681n and 1681o, consumers can pursue a Private Cause of Action for willful and negligent noncompliance by credit reporting agencies. The Private Cause of Action allows consumers to recover actual damages, statutory damages ( up to {$1000.00} per violation ), and punitive damages if the violation is deemed willful. Experians continued failure to adhere to the law, especially regarding Metro 2 compliance and the disputed account marking, clearly meets the criteria for willful misconduct, justifying a Private Cause of Action.","date_sent_to_company":"2025-05-15T07:27:00.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30349","tags":null,"has_narrative":true,"complaint_id":"13526578","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-05-15T07:26:37.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["Legal <em>Violations</em> : <em>FCRA</em> <em>Section</em> 1681i ( a ) ( 5 ) ( B ) : Reinsertion of a fraudulent account without written notice to the consumer. \n\n<em>FCRA</em> <em>Section</em> 1681i ( a ) ( 3 ) : Failure to mark the fraudulent account as <em>disputed</em> during the <em>investigation</em> process. \n\nMetro 2 Compliance : <em>Experians</em> reporting fails to meet the Metro 2 standards for accurate and compliant credit reporting, especially regarding <em>disputed</em> accounts."],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>Experian</em> Information Solutions Inc."],"sub_issue":["<em>Investigation</em> took more than 30 days"]},"sort":[19.392557,"13526578"]},{"_index":"complaint-public-v1","_id":"11431157","_score":19.34122,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am submitting this complaint against Experian and XXXX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). \nI discovered discrepancies in the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : Incorrect reporting of charge-off and late payments. \nUnder Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. \nSection 611 : Right to dispute inaccuracies and request investigation. \nSection 623 ( a ) ( 5 ) : Removal of unverifiable information that has not been validated by the original creditor. \n15 U.S. Code 1681e ( b ) : Ensures that procedures for including information in credit reports ensure maximum possible accuracy. \nDespite my request, Experian and XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. \nAdditional Information : Attached documents : Updated credit report from Experian and XXXX showing unresolved discrepancies. \nSupporting documentation, including correspondence with the creditor. \nResolution Requested : I am requesting that the CFPB investigate this matter and assist in ensuring that Experian and XXXX complies with the FCRA by : Conducting a full investigation into my dispute. \nCorrecting or removing any inaccuracies found in my credit report. \nEnsuring that all reporting practices align with federal regulations. \nRemoving all accounts reported inaccurately due to the violations of the FCRA. \nApplicable FCRA Violations : 15 U.S. Code 1681i : Failure to correct inaccurate or unverifiable information within 30 days. \n15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy. \n15 U.S. Code 1681s-2 : Failure of the furnisher to investigate and correct inaccuracies upon notice of dispute. \nThank you for your attention to this matter. I look forward to your response and assistance in resolving this issue promptly. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-08T17:35:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"11431157","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T17:35:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/year> Subject : <em>Dispute</em> of Inaccurate Information on Credit Report and <em>Violation</em> of the Fair Credit Reporting Act ( <em>FCRA</em> ) <em>Dear</em> CFPB, I am submitting this complaint against <em>Experian</em> and XXXX regarding the inaccurate information reported on my credit report, which <em>violates</em> the Fair Credit Reporting Act ( <em>FCRA</em> )."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.34122,"11431157"]},{"_index":"complaint-public-v1","_id":"11431154","_score":19.33977,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report and Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am submitting this complaint against Experian and XXXX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). \nI discovered discrepancies in the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX Disputed Information : Incorrect reporting of charge-off and late payments. \nUnder Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. \nSection 611 : Right to dispute inaccuracies and request investigation. \nSection 623 ( a ) ( 5 ) : Removal of unverifiable information that has not been validated by the original creditor. \n15 U.S. Code 1681e ( b ) : Ensures that procedures for including information in credit reports ensure maximum possible accuracy. \nDespite my request, Experian and XXXX failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. \nAdditional Information : Attached documents : Updated credit report from Experian and XXXX showing unresolved discrepancies. \nSupporting documentation, including correspondence with the creditor. \nResolution Requested : I am requesting that the CFPB investigate this matter and assist in ensuring that Experian and XXXX complies with the FCRA by : Conducting a full investigation into my dispute. \nCorrecting or removing any inaccuracies found in my credit report. \nEnsuring that all reporting practices align with federal regulations. \nRemoving all accounts reported inaccurately due to the violations of the FCRA. \nApplicable FCRA Violations : 15 U.S. Code 1681i : Failure to correct inaccurate or unverifiable information within 30 days. \n15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy. \n15 U.S. Code 1681s-2 : Failure of the furnisher to investigate and correct inaccuracies upon notice of dispute. \nThank you for your attention to this matter. I look forward to your response and assistance in resolving this issue promptly. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2025-01-08T17:35:32.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33993","tags":null,"has_narrative":true,"complaint_id":"11431154","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-01-08T17:35:28.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/year> Subject : <em>Dispute</em> of Inaccurate Information on Credit Report and <em>Violation</em> of the Fair Credit Reporting Act ( <em>FCRA</em> ) <em>Dear</em> CFPB, I am submitting this complaint against <em>Experian</em> and XXXX regarding the inaccurate information reported on my credit report, which <em>violates</em> the Fair Credit Reporting Act ( <em>FCRA</em> )."],"company":["<em>Experian</em> Information Solutions Inc."]},"sort":[19.33977,"11431154"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1716,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1716}]}},"product":{"doc_count":1716,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1406,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1405},{"key":"Other personal consumer report","doc_count":1}]}},{"key":"Credit reporting, credit repair services, or other personal consumer reports","doc_count":285,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":280},{"key":"Other 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