Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
After completing my annual review of my credit reports in XX/XX/XXXX, I discovered multiple accounts reporting incomplete and inaccurate information. The discrepancies were also inconsistent across the three credit bureaus and had changed from previous years, raising concerns about the accuracy of Experian 's reporting. 

On XX/XX/XXXX, I sent a dispute letter to Experian and the other credit bureaus requesting an investigation into the completeness and accuracy of XXXX collections : XXXX  XXXX, XXXX XXXX, and The Bureaus. I received the dispute results on XX/XX/XXXX : XXXX  XXXX collection was deleted from my report. XXXX XXXX collection was marked as " verified as accurate and updated, '' but Experian provided no details on what was verified or what updates were made. The XXXX collection was marked as " updated, '' but it was not explicitly verified, and no explanation of the update was provided. 

Following my dispute with XXXX in XX/XX/XXXX, both the XXXX XXXX and The Bureaus collections were deleted from my XXXX report. This further confirms that these accounts were either inaccurate, unverifiable, or outdated, contradicting Experians claim that they were verified and updated. Experians failure to remove these accounts despite the same dispute being processed correctly by another credit bureau raises serious concerns about its investigative process and compliance with FCRA regulations. 

Regarding the XXXX XXXX XXXX, the Date Opened, Date Last Active, Date of Delinquency, and Last Payment Date are inconsistent across XXXX, XXXX, and Experian and differ from previous credit reports. The last payment date occurred in early XXXX, making this debt over XXXXeven years old and eligible for removal under the Fair Credit Reporting Act ( FCRA ). Experian failed to properly investigate and remove this outdated account. 

Regarding The Bureaus Collection, the balance amount was changed from {$420.00} to {$420.00} without verification, and I believe it is still inaccurate. The Date of Delinquency and Last Payment Date also differ between XXXX, XXXX, and Experian, as well as previous years ' reports. Given the age and inaccuracy of this account, it should have already been removed from my credit report. 

There are also inaccuracies regarding my Personal Information, my Experian report contains an invalid address and two phone numbers that do not belong to me. XXXX has already removed this incorrect personal information following my XX/XX/XXXX dispute. XXXX failure to correct these inaccuracies is further evidence of its lack of proper investigation. 

Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ) under the following statutes : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in consumer reports, 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) & ( ii ) Failure to correct or delete inaccurate, incomplete, or unverifiable information, and 15 U.S.C. 1681s-2 ( a ) & ( b ) Failure to properly investigate and correct disputed information. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently sued Experian for similar violations, alleging that it failed to conduct proper investigations, wrongfully verified inaccurate accounts, and did not update reports to ensure accuracy.

I am one of the harmed consumers impacted by these practices. Despite submitting a clear dispute with supporting evidence, Experian improperly verified inaccurate information and failed to conduct a meaningful investigation. Experians improper verification of these inaccurate accounts has harmed my creditworthiness and negatively impacted my ability to obtain a home loan.

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