Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
CFPB Complaint Inaccurate Dispute Handling and FCRA Violations by Experian Company : Experian Product : Credit reporting Issue : Incorrect information on credit report Submitted by : [ Your Full Name ] Consumer Complaint Narrative : I am filing this complaint against Experian for failing to conduct a proper reinvestigation of disputed information on my credit report concerning the XXXXXXXX XXXX XXXXXXXX credit card account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Although Experian acknowledges in the report that I disputed the account ( Customer disputed account reported by subscriber ), it still reflects inaccurate and unverified data, and fails to remove or clarify the disputed notation, which is misleading and legally noncompliant.

Violations Cited : FCRA 15 U.S.C. 1681i ( a ) : Experian failed to perform a reasonable reinvestigation of my dispute. Despite no evidence of any late payments, Experian allows the furnisher to maintain disputed notations without factual support or meaningful review.

FCRA 15 U.S.C. 1681e ( b ) : Experian must ensure the maximum possible accuracy of information. The account continues to carry derogatory dispute remarks despite no late history being present and despite consistent " OK '' payments across all months.

FCRA 15 U.S.C. 1681s-2 ( b ) : Once n
otified of a dispute, Experian and the furnisher must investigate and correct any inaccurate or unverifiable information. The dispute remains unresolved, in violation of this obligation.

12 CFR 1022.42 CFPB Regulation V : Experian has failed to meet the reinvestigation requirements under Regulation V. The failure to update or delete disputed remarks constitutes noncompliance. 

Report Comparison ( XXXXXXXX XXXX XXXXXXXX as of XX/XX/year> ) : Bureau Status Remarks Late Payments XXXX  Current Disputed, meets FCRA None All OK Experian Current Customer disputed account None All OK XXXX  Current Consumer disputes account XXXX late ( XX/XX/XXXX ) Despite the dispute being acknowledged, Experian failed to resolve it or provide reinvestigation results, as required by law. Additionally, the persistence of a dispute remark without action creates a misleading and negative impression, in violation of consumer rights. 

Desired Resolution : Full removal of the dispute remark unless Experian can provide documented verification of what is being disputed. 

Written notice of reinvestigation findings per FCRA 1681i ( a ) ( 6 ).

Immediate update to align with XXXX  and ensure accurate, verified reporting. 

Enforcement action by CFPB if Experian fails to comply. 

This complaint is not frivolous. I have made prior attempts to resolve this matter, and I am now seeking regulatory assistance to enforce my rights under federal law. Please ensure that Experian is held accountable for its violations.

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