Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
CFPB Complaint Experian Reporting Inaccuracies & FCRA Violations Complainant : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Date : XX/XX/XXXX Issue : Experian is reporting materially inaccurate and misleading derogatory information on my credit report in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). Despite prior disputes and requests for verification, Experian falsely claimed these accounts were verified as accurate without supplying any method of verification or proof of investigation as required by law. 



Accounts in Violation : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Auto Loan ) Account # XXXX Status : Closed Charged Off {$20000.00} Past Due Opened : XX/XX/XXXX | Last Payment Date : XX/XX/XXXX | Status Updated : XX/XX/XXXX Violations and Inaccuracies : Experian is falsely reporting a charge-off ( CO ) every month from XX/XX/XXXX to XX/XX/XXXX, even though the account was charged off and closed in XXXX. This is unlawful re-aging and misreporting in violation of FCRA 605 ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ).

Duplicate reporting of the balance ( {$20000.00} ) and past-due amount ( {$20000.00} ) misrepresents the true debt and inflates negative impact. 
No legitimate monthly payment history is reflected for this 72-month loan, and no explanation has been provided. 
Failure to mark account as disputed, in violation of FCRA 1681i ( c ). 
Despite a final update in XX/XX/XXXX, Experian is reporting new derogatory data through XX/XX/XXXX without evidence of continued reporting from the creditor. 
Experian has refused to provide the method of verification or the names, contacts, or any description of the investigation they allegedly conducted, violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). 



XXXX. XXXX XXXX XXXX XXXX ( Child Support ) Account # XXXX Status : Open {$2300.00} Balance {$1900.00} Past Due Opened : XX/XX/XXXX | Last Payment Date : XX/XX/XXXX Violations and Inaccuracies : Erroneous late payment reporting in XXXX XXXX, even though a payment was made in XX/XX/XXXX. 
Inconsistent delinquency pattern across XXXX, with no explanation or supporting documents. 
XXXX contains continuous XXXX late reports with no substantiating data or documentation. 
No factual or accurate payment history has been provided to support the alleged arrears. 
Experian has failed to mark this account as previously disputed. 
Failure to provide any documentation of the investigation or the method of verification, violating FCRA 1681i ( a ) ( 7 ).

FCRA Violations Summary : 1681e ( b ) : Failure to ensure maximum possible accuracy of the information.

1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or inaccurate data. 
1681i ( c ) : Failure to indicate the item is disputed.

1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide method of verification upon request.

1681i ( a ) ( 7 ) : Failure to provide a complete description of the investigation process.

Relief Requested : I am demanding that the CFPB take immediate action to compel Experian to : 1. Permanently delete both accounts from my credit report.

2. Provide a full copy of the method of verification, including the name of the entity contacted, the date/time of the verification, and all details of the investigation process as required by law.

3. Confirm all corrections in writing. 

Due to the egregious nature of these violations and ongoing harm to my credit, I demand that Experian comply within 72 hours of receipt of this complaint. Their willful noncompliance justifies regulatory enforcement and potential legal action under FCRA 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA 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