Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Information Solutions , Inc. ( Experian ) is knowingly, willfully, and negligently reporting inaccurate, misleading, and unverified information on my consumer credit file despite proper notice of dispute and repeated opportunities to correct its errors.

Experian has actual knowledge of these inaccuracies through multiple consumer disputes. Notwithstanding that knowledge, Experian continues to publish the disputed information as accurate to third parties, thereby violating express duties imposed by the Fair Credit Reporting Act ( FCRA ).

Experians conduct demonstrates a systemic failure to comply with statutory reinvestigation and accuracy obligations and constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

1. 15 U.S.C. 1681e ( b ) Failure to Maintain Reasonable Procedures for Accuracy Experian has failed to employ or follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting inaccurate or unverifiable tradelines after notice of dispute establishes prima facie liability under 1681e ( b ).

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation Upon receipt of my disputes, Experian was legally required to conduct a good-faith, reasonable reinvestigation. Instead, Experian engaged in automated or superficial verification methods, rubber-stamping inaccurate data without independent verification. Such conduct violates 1681i and has been repeatedly held unlawful by federal courts.

3. 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Failure to Provide Full Notice to Data Furnishers Experian failed to provide the complete substance of my disputes to the furnishers, depriving them of the information necessary to accurately investigate. This omission independently violates the statute.

4. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to Delete or Modify Unverifiable Information When disputed information can not be verified, Experian is statutorily required to promptly delete or modify the information. Experian instead continues to report unverified data, in direct violation of law.

5. 15 U.S.C. 1681c ( a ) Reporting Inaccurate or Obsolete Information ( Where Applicable ) Experian has reported information that is legally inaccurate, misleading, or obsolete in violation of 1681c.

6. 15 U.S.C. 1681n & 1681o Willful and Negligent Noncompliance Experians repeated failure to correct known inaccuracies after dispute qualifies as willful noncompliance, entitling me to statutory damages, punitive damages, and attorneys fees. At minimum, Experian is liable for negligent noncompliance and actual damages.

Experians conduct reflects a pattern and practice of prioritizing data retention and profit over statutory compliance, including : Reliance on automated dispute handling Failure to independently verify disputed information Continued publication of inaccurate data after notice Disregard for consumer-submitted evidence Experians unlawful conduct has caused : Financial injury and loss of credit opportunities Increased borrowing costs Reputational harm Emotional distress Ongoing risk of future denials due to continued reporting If Experian fails to promptly comply with its statutory obligations, I will pursue all available legal remedies, including civil litigation for willful and negligent violations of the Fair Credit Reporting Act.

Experians continued noncompliance undermines federal consumer protections and warrants regulatory enforcement. I respectfully request the CFPBs intervention and documentation of Experians response for potential judicial review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation