Consumer complaint received 2025-07-31 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:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a XXXX shred of documentary evidence or conducting a lawful investigation as required under XXXX XXXX. XXXX ( a ). 

Instead, they rely on the deeply flawed and automated XXXX system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : XXXX XXXX XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and XXXX  Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of XXXXXXXX has been ruled insufficient in legal precedent : " A credit reporting agency XXXX not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX : {$170.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$14000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$2900.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ACCEPT XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CONSUMER XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX and XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on XXXX  as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and XXXX users of the updated information

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