Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint against Experian for continued and willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), due to their failure to maintain accurate and verifiable information on my credit file. I have attempted several times to resolve these issues directly with Experian but have received no proper response or resolution. The following accounts remain inaccurate, outdated, unverifiable, or misleading, which has caused me significant harm including credit denials, high interest rates, emotional stress, and reputational damage.

Despite my legal right under 15 U.S. Code 1681i ( a ) to dispute incomplete or inaccurate information, Experian has negligently failed to conduct a reasonable reinvestigation, as required by law. I am requesting that CFPB initiate an investigation and compel Experian to delete or correct the following accounts immediately. 
XXXXXXXX XXXX XXXXXXXX High Balance : {$19000.00} Date Opened : XX/XX/XXXX Issue : This account is inaccurately reporting late payments, despite the fact that I have provided documentation disputing such delinquencies. There is no validation provided by Experian that confirms the accuracy of the data furnished.

Violation : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate disputed information.

Violation : 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy.

Violation : 15 U.S.C. 1692e ( 8 ) reporting of false credit information.

Narrative : I was not properly notified of any delinquency on this account, and I was enrolled in a hardship program that should have paused negative reporting. Experian failed to consider this or reinvestigate the matter when disputed. Their continued reporting of late payments despite multiple challenges is harming my creditworthiness and violates both the FCRA and the FDCPA. 
XXXX XXXX XXXX XXXXXXXX XXXX  High Balance : {$430.00} Date Opened : XX/XX/XXXX Issue : This is a collection account that is inaccurately and unlawfully reported. I have never received validation of this debt from either XXXX XXXX or Experian, and it continues to appear despite my formal disputes.

Violation : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation.

Violation : 15 U.S.C. 1692g ( b ) failure to validate the debt upon request.

Violation : 15 U.S.C. 1681b impermissible access and use of my credit file without proper basis.

Narrative : The collection account by XXXX XXXX XXXX was never verified nor validated in accordance with federal law. Experian continues to furnish and publish this derogatory information despite it being unverifiable, inaccurate, and in direct violation of my consumer rights. This conduct is grossly negligent and constitutes willful noncompliance under 15 U.S.C. 1681n.

I believe these are just a few examples of many inaccuracies in my Experian credit report. I have strong reason to believe that Experian has failed to uphold its duty to ensure accurate, fair, and substantiated credit reporting. These reporting failures are not only unfair but unlawful, and I request immediate relief. I am also seeking full deletion of the above accounts unless Experian can furnish certified and complete validation, including original signed contracts, full payment history, and a chain of title of debt ownership.

I ask that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and hold Experian accountable for their failure to adhere to federal credit reporting standards under the FCRA and FDCPA. I request all inaccurate, unverifiable, and harmful information be deleted immediately and permanently.

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