Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I have submitted more than XXXX disputes directly through XXXX website concerning inaccurate, outdated, or unverifiable tradelines. Despite clearly identifying the disputed accounts, providing supporting documentation, and citing specific legal violations, Experian has failed to correct or delete a single derogatory tradeline. Instead, they have responded with standardized boilerplate letters referencing FCRA XXXX ( a ) ( XXXX ) ( A ), falsely claiming my disputes lack sufficient information. This response pattern directly violates XXXX legal obligation under FCRA XXXX ( a ) ( XXXX ) ( A ) to conduct a reasonable reinvestigation. 

Experian has only made minor corrections to personal information ( such as misspelled names and outdated addresses ), but continues to reject all disputes concerning substantive tradeline inaccuracies. This conduct demonstrates a systemic refusal to investigate and an intentional obstruction of consumer rights. It appears Experian is prioritizing the financial interests of its data furnisherswho pay Experian to report and maintain tradelinesover its duty to consumers. These furnishers, including debt XXXX, pay fees to Experian, while dispute investigations represent a cost. This creates a structural conflict of interest that results in biased, anti-consumer outcomes. 

Experian 's dispute system relies heavily on the XXXX  platform, which transmits disputes using two-digit codes rather than the consumer 's full explanation and evidence. This failure to consider actual documentation violates FCRA XXXX ( a ), XXXX XXXX reporting standards ( including removal of obsolete data and accurate representation of charge-off status ), and has led to continued re-aging of charged-off accounts in violation of FCRA XXXX ( c ). Additionally, Experian is failing to apply the correct status codes, such as continuing to list payment history beyond the date of charge-off, in direct violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These ongoing failures also meet the threshold of willful noncompliance under FCRA XXXX, as supported in * XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX XXXX. 1997 ), where the court held that a CRA violates the FCRA if it conducts an investigation that is not reasonable given the information provided by the consumer. 

I currently have the following CFPB complaints open against Experian related to these same practices : Referenced CFPB Complaints : - CFPB Complaint # XXXX - CFPB Complaint XXXX XXXXXXXX - CFPB ComplainXXXX XXXX XXXX - CFPB Complaint XXXX XXXXXXXX - CFPB Complaint XXXX XXXX - CFPB Complaint XXXX XXXXXXXX - CFPB Complaint XXXX XXXX - CFPB Complaint XXXX XXXXXXXX - CFPB Complaint XXXX XXXX - CFPB Complaint XXXX XXXXXXXX - CFPB Complaint XXXX XXXX - CFPB Complaint XXXX XXXXXXXX - CFPB Complaint XXXX XXXX - CFPB Complaint XXXX XXXXXXXX - CFPB Complaint XXXX XXXX - CFPB Complaint XXXX XXXXXXXX - CFPB Complaint XXXX XXXX Harm Experienced : As a direct result of Experians refusal to properly investigate and correct inaccurate credit reporting, I have experienced substantial harm, including but not limited to : Denial of credit applications and essential financing options ; Emotional distress and XXXX  due to the continued presence of false derogatory items ; Reputational damage caused by the public perception of an inaccurate credit history ; Lost opportunities for better financial products, housing, and insurance rates ; The time, expense, and labor of submitting over XXXX unresolved disputes through Experian 's system. 

In addition, I am a stay-at-home grandmother and have had no income for decades. I rely solely on my XXXX XXXX to access financial tools and support basic needs. Any damage to my creditworthiness has a disproportionately severe impact on my quality of life, as I do not have employment income or assets to offset it.

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