Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
I am filing a complaint against Experian Information Solutions for violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation and continuing to report unverifiable, inaccurate information despite documented evidence of multiple violations.ACCOUNT INFORMATION : Furnisher : XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX XXXX/ XXXX Alleged Balance : {$3800.00} Date Opened : XX/XX/XXXX Status : Collection account TIMELINE : XX/XX/XXXX : Sent debt validation request to XXXX, XXXX under FDCPA 809 ( b ). They FAILED to provide proof of debt ownership, itemized charges, or documentation supporting the balance.XXXX XXXX, XXXX : Filed detailed dispute with Experian providing comprehensive documentation of inaccuracies.XXXX XXXX, XXXX : Sent Experian a Final Notice documenting XXXX specific FCRA violations with full supporting evidence including : Signed lease agreement Final account statement ProCollect 's inadequate validation response Credit report screenshots proving illegal re-aging Detailed analysis of inflated fees exceeding lease terms XX/XX/XXXX : Experian responded that account was " verified and updated '' WITHOUT addressing ANY of the documented violations I provided.DOCUMENTED VIOLATIONS THAT EXPERIAN IGNORED:XXXX  ILLEGAL RE-AGING ( FCRA 623 ( a ) ( 5 ) violation ) TransUnion lists " Date Last Active '' as XX/XX/XXXX Actual lease date : XX/XX/XXXX Actual move-out date : XX/XX/XXXX This illegally resets the XXXX reporting period by XXXX  years XXXX is furnishing false dates to extend reporting timeline XXXX. CREDITOR MISMATCH - UNVERIFIABLE CREDITOR My signed lease identifies " XXXX XXXX XXXX XXXX '' as the landlord Credit reports show " XXXX XXXX XXXX/ XXXX '' No documentation has been provided proving ownership transfer or assignment ProCollect can not prove legal authority to collect this debt XXXX. INFLATED BALANCE EXCEEDING CONTRACT ( FCRA 1681e ( b ) violation ) My lease ( Clause XXXX ) legally caps re-letting charge at {$670.00} XXXX/furnisher charged {$1300.00} ( XXXX  % of contractual maximum ) Reporting charges that exceed signed contractual limits is factually inaccurate This violates " maximum possible accuracy '' requirement XXXX. DEPOSIT CONTRADICTION - INCONSISTENT REPORTING Lease clearly states {$0.00} security deposit Final account statement shows {$100.00} deposit credit These contradictory documents prove the reporting is unreliable and unverifiable XXXX. COLLECTION AGENCY FAILED VALIDATION ProCollect failed to provide validation under FDCPA 809 ( b ) Can not prove they own the debt or have legal authority to collect No itemized breakdown of charges provided No documentation supporting the {$3800.00} balance No proof of my liability for this alleged debt EXPERIAN 'S FAILURE TO CONDUCT REASONABLE REINVESTIGATION : Despite providing comprehensive documentation proving these violations in my XX/XX/XXXX Final Notice, Experian : Ignored all evidence I submitted Did not address any of the XXXX documented violations " Verified '' the account without requiring ProCollect to provide supporting documentation Appears to have simply asked XXXX " Is this accurate? '' and accepted " yes '' without requiring proof This is NOT a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ) .The law requires Experian to review " all relevant information provided by the consumer. '' I provided : Signed lease agreement proving creditor mismatch and fee caps Final account statement showing contradictions XXXX 's inadequate validation response Credit report screenshots proving re-aging Detailed written analysis of each violationExperian ignored ALL of this documentation.LEGAL VIOLATIONS : Experian has violated : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information FCRA 1681e ( b ) : Maintaining information known to be inaccurate These violations appear to be WILLFUL, as I explicitly documented the inaccuracies with supporting evidence, yet Experian continues to report this information.HARM CAUSED : Inaccurate negative information damaging my credit score and creditworthiness Illegally extended reporting period due to re-aging ( should expire in XXXX, now showing XXXX ) Inability to obtain credit, housing, or employment due to false reporting Emotional distress from dealing with willful non-compliance Significant time and resources spent documenting violations WHAT I'M REQUESTING : IMMEDIATE DELETION of this unverifiable account from my Experian credit file Experian to provide Method of Verification documentation per FCRA 611 ( a ) ( 7 ) showing what actual investigation was conducted Explanation of why comprehensive documented evidence was ignored CFPB investigation into Experian 's reinvestigation procedures ADDITIONAL INFORMATION : I am also filing complaints with : Federal Trade Commission ( FTC ) Louisiana Attorney General - XXXX XXXX XXXX XXXX with consumer rights attorneys regarding civil action under FCRA 616-617 If ProCollect can not validate this debt to me as the consumer ( which they failed to do ), how can Experian " verify '' it as a credit bureau ? The answer is they can not and should not.Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information MUST be deleted. I have provided more than sufficient evidence proving this account is unverifiable and inaccurate.I request the CFPB investigate Experian 's failure to conduct reasonable reinvestigations and require immediate deletion of this account.

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