Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Against Experian, XXXX, and XXXX Complainant Information Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone Number : [ Your Phone Number ] Email Address : [ Your Email Address ] Complaint Subject : Experian, XXXX, and XXXX Have Failed to Properly Investigate My Disputes and Are Reporting Unverified, Inaccurate, and Incomplete Information in Violation of the Fair Credit Reporting Act ( FCRA ). 


-- - Complaint Summary I am filing this complaint against Experian Information Solutions XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX for their willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) regarding my recent disputes. 

I disputed multiple inaccurate, unverifiable, and incomplete accounts with all three credit bureaus, demanding a proper reinvestigation in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, all three bureaus have failed to comply with federal law by : 1. Failing to properly reinvestigate the disputed accounts.

2. Failing to remove accounts that can not be verified with original documentation.

3. Continuing to report inaccurate, misleading, and incomplete information.

4. Allowing furnishers ( creditors and collection agencies ) to report false or unverifiable information.

Despite my requests, the credit bureaus have not provided a valid method of verification ( MOV ) that proves the accuracy of the disputed information. Therefore, under the FCRA, they are legally required to delete these accounts. 


-- - Violations of the Fair Credit Reporting Act ( FCRA ) Committed by Experian, XXXX, and XXXX XXXX. Failure to Ensure Maximum Possible Accuracy 15 U.S. Code 1681e ( b ) The FCRA requires credit reporting agencies to ensure that consumer reports contain only accurate and complete information.

By continuing to report unverified, inaccurate, and incomplete accounts, the credit bureaus are in violation of 15 U.S.C. 1681e ( b ).

2. Failure to Conduct a Proper Reinvestigation 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer disputes an account, the credit bureau must conduct a reasonable reinvestigation within 30 days.

If the furnisher ( creditor or collection agency ) fails to provide documentation proving the debt is valid, the credit bureau must delete the account.

The bureaus have failed to provide proof of a proper reinvestigation, violating this law.

3. Failure to Delete Unverifiable Information 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) The FCRA requires credit bureaus to delete information that can not be verified within the 30-day reinvestigation period.

The credit bureaus have not provided documentation proving the accuracy of the disputed accounts.

Since they failed to verify the accounts, they are legally required to delete them but have not done so.

This is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

4. Failure to Ensure Furnishers Report Accurate and Complete Information 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers ( creditors and collection agencies ) are required to report only accurate and complete information.

Many of my negative accounts contain missing, outdated, or incorrect details ( such as the date of first delinquency, last payment date, or original balance ).

The credit bureaus are knowingly allowing furnishers to report inaccurate information, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

5. Failure of Debt Collectors to Prove Ownership of Debt 15 U.S. Code 1681b ( a ) ( 3 ) Under 15 U.S.C. 1681b ( a ) ( 3 ), a debt collector must have a permissible purpose to report an account on my credit file.

If the collection agency can not provide proof that they legally own the debt, they have no right to report it.

The credit bureaus have continued to report unverified collection accounts, violating this law.

6. Failure to Remove Previously Disputed Items 15 U.S. Code 1681i ( a ) ( 5 ) ( C ) If an account was previously disputed and the credit bureau failed to verify it properly, they are required to permanently delete the account.

If they reinsert a previously deleted account, they must notify the consumer in writing, which they did not do.

This is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).

7. Improper Hard Inquiries 15 U.S. Code 1681b ( f ) A company can not perform a hard inquiry without my written authorization under 15 U.S.C. 1681b ( f ).

Any unauthorized hard inquiries must be removed immediately.

Additionally, if any hard inquiries are older than two years, they must be automatically deleted under 15 U.S.C. 1681c ( a ) ( 5 ).

-- - List of Disputed Accounts That Must Be Deleted Creditor Name : XXXX XXXXXXXX Account Number : XXXX Status : Charge-Off Creditor Name : XXXX Account Number : XXXX Status : Charge-Off Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : Sold ; was Charge-Off Creditor Name : XXXX Account Number : XXXX Status : Charge-Off Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : Transferred ; was Charge-Off Creditor Name : XXXX XXXX Account Number : XXXX Status : Charge-Off Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : Collection Creditor Name : XXXX XXXX XXXX Account Number : XXXX Status : Collection Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection Creditor Name : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Status : Collection -- - Requested Resolution I request that the CFPB : 1. Order Experian, XXXX, and XXXX to provide documented proof of verification for each disputed account. 


2. Require the credit bureaus to delete all accounts that can not be verified with original signed contracts and full account records.

3. Mandate the removal of all inaccurate, incomplete, and unverifiable negative information.

4. Investigate and penalize Experian, XXXX, and XXXX for non-compliance with the FCRA. 




-- - Attachments ( Supporting Evidence ) Copies of dispute letters sent to Experian, XXXX, and XXXX. 

Copies of responses from the credit bureaus ( if any ). 

Proof of missing or inaccurate account details. 



-- - Sincerely, 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