Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute Failure to Correct Inaccurate and Outdated Information FCRA Violations To Whom It May Concern, I am writing to formally address serious concerns regarding the results of the dispute response I received from Experian, dated XX/XX/XXXX. After thoroughly reviewing the outcome, it is evident that Experian failed to correct or remove multiple accounts that are inaccurate, outdated, misleading, and reported without proper validation, in direct violation of the Fair Credit Reporting Act ( FCRA ) particularly 15 U.S.C. 1681i ( a ), 1681e ( b ), 1681s-2 ( b ), and 1681g.

Below are the specific accounts that remain improperly reported and the corresponding violations : XXXX. XXXX XXXX # XXXX Issue : Continues to report as Charged-Off with 24 months of derogatory history. No contract, billing statement, or debt validation was provided.

FCRA Violations : 1681i ( a ) No proper reinvestigation ; 1681e ( b ) Failure to ensure accuracy. 




XXXX XXXX  XXXX XXXX # XXXX Issue : Still marked as Charge-Off with history showing XXXX XXXX  XXXX, and XXXX from XXXX to XXXX. No evidence submitted to justify accuracy.

FCRA Violations : 1681e ( b ) ; 1681s-2 ( b ) Reporting information without verifiable documentation. 




XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Issue : Same as above extensive derogatory history and balance over {$12000.00} reported without validation of contract or authorization.

FCRA Violations : 1681i ( a ) ; 1681e ( b ) XXXX. XXXX XXXX # XXXX Issue : Continues to show 30120 day late payments over three consecutive months for a {$46.00} balance. Excessive negative reporting with no proof provided.

FCRA Violations : 1681e ( b ) Information is not accurate nor proportional to the balance in question. 



XXXX XXXX XXXX XXXX XXXX XXXX Issue : Status indicates purchased by another lender with {$0.00} balance, yet still marked as Charge-Off.

FCRA Violations : 1681e ( b ) Inaccurate reporting of a closed account no longer under your management. 



XXXX. XXXX XXXX # XXXX Issue : Although marked Paid in XXXX, derogatory history ( XXXX ) remains in months before the settlement was recorded. 

FCRA Violations : 1681i ( a ) ; 1681e ( b ) Demand for Immediate Action I demand that Experian immediately : 1. Delete or correct all inaccurate, unverifiable, or outdated information listed above.

2. Provide full documentation and validation for each of the accounts, including signed contracts, itemized statements, and proof of debt ownership.

3. Ensure full compliance with FCRA obligations moving forward.

Failure to correct these violations may result in legal action under the FCRA and further complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC

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