Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against Experian due to their persistent failure to address my disputes and ensure accurate reporting on my credit report, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to Experian dated XX/XX/XXXX, requesting an investigation into XXXX inaccurate accounts and a XXXX  XXXX bankruptcy on my credit report : XXXX XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Numbers : XXXX [ Account XXXX ], XXXX [ Account XXXX ], XXXX [ Account XXXX ], XXXX [ Account XXXX ] ), XXXX XXXX  ( Account Number : XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX XXXXXXXX ( Account Number : XXXX  ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX XXXX  ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and a XXXX  XXXX bankruptcy ( Reference Number : XXXX ). I provided all required documentation to confirm my identity, including copies of my ID, Social Security card, and proof of address. However, Experian failed to respond to my dispute. 
I then filed a CFPB complaint regarding this issue, but Experians response was inadequate and did not resolve the matter. As of today, my Experian credit report continues to reflect discrepancies, incomplete data, and missing information related to the disputed accounts and bankruptcy. I am mailing another dispute letter to Experian dated XX/XX/XXXX, demanding the removal of the following inaccurate accounts and public record : - XXXX XXXX  XXXX - XXXX : XXXX reports the account number as XXXX, Experian reports it as XXXX ; XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Late 30 Days '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX  - XXXX ( Account XXXX ) : XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Late 30 Days '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX  - XXXX ( Account XXXX ) : XXXX includes a remark that says " XXXX  XXXX bankruptcy, '' which is untrue as Experian reports " Account has been closed due to inactivity '' ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX  - XXXX ( Account XXXX ) : XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Late 60 Days '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX  - XXXX ( Account XXXX ) : XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Current '' ; neither XXXX nor Experian is reporting the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX  - XXXX : XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX XXXX  - XXXX : XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Collection/Chargeoff '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX XXXX XXXX - XXXX : The balance is reported as {$18000.00}, which is inaccurate as there is no balance owed; the closed date is not reported ; the XXXX payment history is incomplete ; the dispute status incorrectly says " account not disputed '' despite prior disputes. 
- XXXX - XXXX : XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Late 30 Days '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXXXXXX XXXX XXXXXXXX - XXXX : XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Late 90 Days '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
XXXX XXXX XXXX XXXX - XXXX : Experian is not reporting the date closed or last payment date ; the dispute status incorrectly says " account not disputed '' despite prior disputes. 
XXXX XXXX XXXX XXXX XXXX  - XXXX : XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Current '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- XXXX - XXXX : XXXX and Experian report the account number as XXXX, while XXXX reports it as XXXX ; high balance on XXXX and Experian is {$1200.00}, but XXXX reports {$5000.00} ; Experian is not reporting the date last verified, date closed, or date of last payment ; payment status on XXXX says " Unknown, '' Experian says " Late 60 Days, '' and XXXX says " Current '' ; XXXX is not reporting anything in the XXXX payment history ; all bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
XXXX XXXX XXXXXXXX - XXXX : XXXX reports the date of last activity as XX/XX/XXXX, Experian reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, Experian reports XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; payment status on XXXX says " Unknown, '' Experian says " Late 30 Days '' ; XXXX is not reporting anything in the XXXX payment history ; both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
XXXX XXXX XXXX XXXX : Date of last activity on XXXX is XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX ; XXXX reports the date opened as XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX ; Experian is not reporting the date closed or last payment date ; XXXX reports the account rating as " Open, '' while Experian and XXXX report " Derogatory '' ; XXXX reports the account status as " open, '' while XXXX and Experian report " closed '' ; payment status on XXXX and XXXX says " Unknown, '' but Experian says " Collection/Chargeoff '' ; XXXX reports XXXX date of last payment as XX/XX/XXXX, while XXXX reports XX/XX/XXXX ; XXXX is not reporting the XXXX payment history ; all bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes. 
- Public Record - Reference Number XXXX : XXXX reports the reference number as " XXXX, '' while Experian reports " XXXX '' ; XXXX lists the Court as " XXXX Bankruptcy XXXX, '' which is not a recognizable or specific court, Experian lists it as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, '' which is not correct as XXXX  records report the office as " XXXX XXXX XXXX '' XXXX XXXX as " XXXX XXXX '' ; the attorneys on XXXX  are reported as " XXXX A XXXX '' and " XXXX I Cuenant '' ; however, on XXXX, XXXX court is listed as XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX says XXXX Represented XXXX Attorney : No, which is not accurate, the attorney on XXXX is listed as XXXX XXXX A XXXX, XXXX has my bankruptcy attorney listed as XXXX XXXX XXXX XXXX reiterate, this was my original attorney but she passed away and was not the attorney that filed the bankruptcy, additionally, her name is misspelled, and both bureaus incorrectly report the dispute status as " account not disputed '' despite prior disputes ; additionally, I received a response from XXXX dated XX/XX/XXXX, with results of a reseller dispute, where XXXX disputed the information on my behalf with each of the credit bureaus on XX/XX/XXXX and had not received a response, further proving this bankruptcy is unverifiable and that no investigation has been conducted as it continues to report inaccurately. 
Under the FCRA, Experian is required to ensure all reported information is accurate and verifiable ( Sections 1681i and 1681e ( b ) ). Their failure to correct these inaccuracies, despite my prior disputes, violates these obligations. This ongoing issue is causing me significant harm by misrepresenting my creditworthiness, affecting my ability to secure credit, and causing financial distress. 
Recent Legal Action and Non-Compliance : The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for conducting sham investigations of consumer disputes ( source : CFPB Sues Experian for Sham Investigations of Credit Report Errors, Consumer Financial Protection Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sham-investigations-of-credit-report-errors/ ). The CFPB alleges that Experian uses faulty dispute processes, uncritically accepts furnishers responses, and fails to prevent the reinsertion of previously deleted inaccuracies. Given this pattern of non-compliance with the FCRA, Experians failure to correct the inaccuracies on my credit report further demonstrates their disregard for their legal obligations under Sections 1681i and 1681e ( b ).

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