Consumer complaint received 2026-05-26 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: TX

Complaint narrative:
I am filing this complaint against Experian for continuing to report inaccurate, misleading, incomplete, and unverifiable information on my consumer report despite multiple disputes and requests for proper investigation. XXXX failure to maintain maximum possible accuracy and failure to conduct a lawful reinvestigation is causing serious harm to my financial reputation, credit standing, and ability to obtain credit, housing, and favorable financial opportunities. I formally disputed several inaccurate accounts appearing on my Experian consumer report and requested competent documentary evidence supporting the reporting of these accounts. However, Experian continues to report the disputed information without providing any meaningful investigation results or legally sufficient verification. Simply responding that the accounts were verified without providing actual documentation does not satisfy the requirements of the Fair Credit Reporting Act. I specifically requested complete account-level documentation, including signed applications, contracts, payment histories, billing statements, account ownership records, and all records establishing legal liability for the disputed accounts. Experian failed to provide this documentation and continues reporting information that appears inaccurate, incomplete, misleading, and unverifiable. Additionally, Experian failed to provide the complete method of verification used during the investigation, including the names, addresses, telephone numbers, and procedures used to verify the disputed information as required under FCRA Section XXXX ( a ) ( XXXX ). This raises serious concerns regarding whether any reasonable investigation was conducted at all. Under the Fair Credit Reporting Act, including Sections XXXX ( b ), XXXX ( a ), and XXXX, Experian is legally required to maintain maximum possible accuracy and conduct a reasonable reinvestigation whenever disputed information is challenged by a consumer. Reporting unverifiable information and failing to properly investigate disputed accounts constitutes negligent and potentially willful noncompliance with federal law. The continued reporting of inaccurate information has caused ongoing financial damages, emotional distress, reputational harm, denial of credit opportunities, increased interest rates, and interference with my ability to maintain financial stability. I am requesting that Experian immediately delete all disputed inaccurate, incomplete, misleading, and unverifiable accounts and inquiries from my consumer report if they can not be fully verified through competent documentary evidence. I also request that Experian provide complete copies of all documents used during the investigation process, including all communications with furnishers and the full method of verification relied upon during the reinvestigation. If Experian can not comply with its obligations under the Fair Credit Reporting Act, the disputed information must be removed immediately.

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