Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Re : Formal Complaint Inaccurate Credit Reporting & Improper Investigation XXXXXXXX XXXX XXXX  Account No. : XXXX Complainant : [ Your Full Name ] ________________________________________ Subject : Dispute of Inaccurate Credit Information and Improper Handling by Experian in Violation of the FCRA and CFPB Enforcement Findings To Whom It May Concern, I am filing this formal complaint regarding the inaccurate and incomplete credit reporting of my XXXX XXXX XXXX account and the failure of Experian to conduct a lawful reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( a ).

The disputed tradeline contains seven late payments, inconsistent data entries, and notations that the account was paid in settlement and completed investigation of FCRA dispute consumer disagrees. Despite my prior disputes, the information remains inaccurate and unverified, and Experian continues to publish it without correction or adequate proof from the furnisher. 
This matter is especially concerning given the XXXX XX/XX/year> lawsuit against Experian ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which found that Experian : 1. Conducted sham investigations that failed to review consumer disputes as required by law ; 2. Used faulty intake procedures and failed to provide furnishers with the documentation consumers submitted ; 3. Improperly reinserted inaccurate or previously deleted tradelines ; and 4. Violated the Consumer Financial Protection Act through unfair and deceptive acts or practices.

The CFPB itself recognized that such conduct threatens consumers access to credit, employment, and housing. My own experience reflects these same failures Experian appears to have accepted the furnishers unverified response without conducting a genuine investigation or reviewing the documentation I provided.

Under 15 U.S.C. 1681i ( a ) and the CFPBs findings, I am requesting the Bureau to : Open a new investigation into Experians handling of this dispute ; Require XXXX XXXX XXXX to provide documentary evidence verifying each reported late payment ; Ensure Experian ceases any unlawful reinsertion or continued reporting of unverified negative information ; and Remove all inaccurate and unverifiable derogatory information related to this account from my credit file. 
The ongoing reporting of this disputed, inaccurate information is harming my creditworthiness and violates both the FCRA and the CFPBs recent enforcement standards for consumer dispute investigations. 
Please acknowledge receipt of this complaint and include all responses, supporting documentation, and investigation results in my file. 
Thank you for your attention and for enforcing fair credit reporting practices. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX

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