Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting multiple derogatory accounts that I have disputed repeatedly, and Experian has failed to provide any documentation or proof verifying the accuracy of these items. The accounts currently being reported and in dispute are : XXXX XXXX ( Late Payment ), XXXX XXXX XXXX XXXX ( Late Payment ), XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Charge-off ), XXXX XXXX ( Charge-off XXXX, XXXX XXXX XXXX ( Charge-off ), and XXXX XXXX ( Charge-off ). Despite my disputes, Experian has not provided a single contract, statement, payment history, XXXX document, itemization, chain of title, or ownership proof for any of these accounts. Experian simply marks these accounts as verified without showing me how they were verified or what documentation they relied on. That is not compliance with the FCRA, FDCPA-related accuracy standards for collection data, or XXXX reporting XXXX. Experian has a long and well-documented history of failing to reinvestigate disputes, reporting inaccurate information, being sued for FCRA violations XXXX being involved in federal actions for failing to correct errors, facing class actions for improper investigations, and having major data breaches that compromised consumer information. Experians handling of my disputes aligns with these known issues : they are reporting unvalidated information, refusing to supply documentation, and not conducting legally required reinvestigations. For Experian to legally verify a late payment, they must have the original contract, full payment history, the due date, the posted date, and evidence the payment was actually late. For a collection, they must have the notice of assignment, itemized balance accounting, original creditor information, chain of assignment, proof of legal ownership, and evidence the furnisher is authorized to report and collect. For a charge-off, the requirements include the original signed contract, full account history, date of first delinquency, charge-off date, itemization of the balance, proof of charge-off calculation, and proper XXXX coding. Experian has produced none of these required items and has ignored every documentation request. Simply marking items verified without supporting evidence is a violation of federal law. 
Experian has not provided any of the following : Original creditor contracts Payment histories DOFD documentation Itemized balance breakdowns Proof of charge-off calculation Notice of assignment Chain of title Ownership documentation Any verification records from furnishers Any documentation supporting their verified results Any legally required XXXX formatted data Any method of verification Experian has provided nothing but automated dispute responses with no evidence.

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