Consumer complaint received 2025-09-13 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:
-Summary of Complaint Experian is violating the Fair Credit Reporting Act ( FCRA ) by continuing to report unverifiable derogatory information on my credit reports despite clear evidence that this information is inaccurate and can not be verified by the original data furnisher.

-Detailed Description of Issues -Background I have multiple student loan accounts serviced by XXXX that Experian is reporting as having been delinquent by 180+ days. These derogatory marks are severely damaging my credit profile and preventing me from obtaining credit on favorable terms. 
-Evidence of Inaccuracy 1. Official Government Records Show No Delinquencies I obtained my complete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  record directly from the U.S. Department of Education, which serves as the official federal database for all student loan information. -This comprehensive 19-page document shows : All " DelinqDate : '' fields are completely blank across all loan records No delinquency dates are recorded anywhere in the federal system Loan status histories show normal progressions ( Grace Period In Repayment Forbearance ) Payment histories indicate compliance with loan terms -2. Data Furnisher Can not Verify Information I contacted XXXX, the loan servicer and data furnisher, who confirmed in a recorded conversation that : -They can not provide documentation supporting any 180-day delinquencies Their records do not show the delinquencies that Experian is reporting They have no proof that these delinquencies ever occurred -3. Experian 's Inadequate Investigation Despite providing clear evidence of inaccuracy, Experian denied my dispute and continues to report this unverifiable information. Their investigation was inadequate and failed to meet FCRA standards. 

-Specific FCRA Violations -Section 611 ( a ) ( 1 ) - Failure to Conduct Reasonable Investigation Experian failed to conduct a reasonable investigation when presented with substantial evidence contradicting the reported information.

-Section 611 ( a ) ( 5 ) ( A ) - Failure to Delete Unverifiable Information Experian is required to delete information that can not be verified as accurate. Since the data furnisher can not verify the delinquencies and official government records show no delinquencies occurred, this information must be removed.

-Section 623 - Reporting Unverifiable Information Experian continues to report information as accurate when both the original creditor and official federal records contradict this reporting. 


-Supporting Evidence -Complete NSLDS record from U.S. Department of Education showing no delinquency dates -Recorded conversation with XXXX confirming inability to verify derogatory information -Experian dispute denial letter despite clear evidence of inaccuracy -Screenshots of current credit report showing disputed items -Impact Statement These inaccurate derogatory marks have : -Significantly lowered my credit scores across all bureaus -Prevented me from qualifying for favorable interest rates on credit products -Caused ongoing financial harm and stress -Damaged my ability to obtain housing and employment opportunities -Legal Basis This complaint is filed under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., which requires credit reporting agencies to : -Maintain accurate information -Conduct reasonable investigations of disputes -Delete information that can not be verified as accurate -Follow proper procedures when reporting consumer information The evidence clearly demonstrates that Experian has failed to meet these statutory requirements, causing substantial harm to my creditworthiness and financial standing. 
-Conclusion I request that the CFPB investigate this matter and compel Experian to comply with federal law by immediately deleting all unverifiable derogatory information from my credit reports. The combination of official government records showing no delinquencies and the data furnisher 's inability to verify the information creates an undeniable case for removal under the FCRA.

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