Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
Subject : Final Notice Experian Non-Compliance with FCRA and Continued Refusal to Provide Method of Verification ( MOV ) Complaint Details : Dear Consumer Financial Protection Bureau, This is a final notice and formal supplement to my prior complaints regarding Experians continued failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., specifically 1681i ( a ), 1681e ( b ), and 1681g. 

Despite multiple certified dispute letters sent directly to Experianand supplemental evidence including documented inconsistencies, proof of payments, and request for Method of Verification ( MOV ) Experian continues to furnish inaccurate, incomplete, and misleading data on my credit report, and is now actively evading its duties by refusing to provide a legally mandated MOV under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Tradelines in Question : XXXX XXXX XXXXXXXX ( Account ending in XXXX ) Incorrect derogatory payment history still appears, despite closure and full payment. 

No MOV provided despite direct disputes and calls confirming they will not provide such documentation. 

XXXX XXXX Credit Card Accounts ( Accounts ending in XXXX and XXXX ) Discrepant and outdated late payment data remains, though these accounts are current and have been settled as agreed. 

Payment history is not uniform across the 3 bureaus, and Experian is the only bureau reporting delinquencies from XXXX. 

XXXX XXXX ( Account ending in XXXX ) Charge-off date reporting conflicts with both XXXX XXXX XXXX 

Experian shows charge-off and payment history out of compliance with FCRA accuracy and consistency standards. 

XXXX XXXX ( Account ending in XXXX ) Experian is showing inconsistent charge-off information and late payment history compared to the other CRAs. 

Status appears as purchased by another lender with no clarity on the subsequent data furnisher. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX tradeline segmentationsome accounts are duplicated or unmerged, with conflicting balances or statuses. 

Experian has failed to properly consolidate and clarify reporting despite dispute efforts. 

FCRA Violations Cited : 1681e ( b ) : Failure to maintain maximum possible accuracy.

1681i ( a ) : Failure to reinvestigate within 30 days and refusal to provide MOV.

1681g ( a ) ( 2 ) : Failure to provide sources of information used to verify disputed tradelines.

1681s-2 ( b ) : Willful continuation of inaccurate reporting after disputes were sent to furnishers. 

Legal Precedents & Industry Enforcement : XXXX fined $ XXXX in XX/XX/year> for deceptive dispute-handling practices and failure to investigate disputes and provide accurate reports XXXX, XX/XX/year>. 

Similar enforcement has occurred against Experian and XXXX, as noted in prior CFPB enforcement actions and settlements regarding dispute processing and consumer harm due to incorrect credit file entries.

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