Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
Subject : Ongoing FCRA Violations by Experian Repeated Inaccurate Reporting & Failure to Investigate I am filing this formal complaint against Experian Information Solutions , Inc. for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) consistent with the allegations made by the CFPB in its XX/XX/2025 lawsuit against Experian. 
Despite multiple disputes and documented proof that the following accounts are fraudulent or inaccurately reported, Experian has failed to conduct a reasonable invXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were either opened without my authorization or contain reporting errors that remain unresolved despite multiple disputes. I currently have a fraud alert on my file, and yet Experian continues to furnish these accounts, violating : * 15 U.S.C. 1681i failure to reinvestigate disputes reasonably * 15 U.S.C. 1681s-2 ( b ) reporting unverifiable or inaccurate data * 15 U.S.C. 1681n and 1681o willful and negligent noncompliance This is identical to the patterns described in the CFPBs 2025 lawsuit, in which Experian failed to : * Conduct fair reinvestigations * Provide appropriate notifications * Prevent the reinsertion of previously removed inaccurate data Experians refusal to properly address these issues has caused significant harm to my creditworthiness, denied me access to fair credit, and left fraudulent activity unresolved.

Relief Requested : I am requesting that the CFPB investigate this matter further, ensure Experian complies with federal law, and compels them to delete the above-listed accounts immediately. I am prepared to provide copies of dispute letters, fraud alerts, and additional documentation to support my case. 
XXXX XXXX XXXX XXXX ACCOUNT ACCOUNT ENDING IN XXXX : This account is inaccurately reporting two late payments, which I did not incur. I have never been late on this account. Despite disputing this information with Experian, the inaccurate reporting has not been corrected, and no adequate reinvestigation has been conducted.

This is a clear violation of : * 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation * 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy * 15 U.S.C. 1681s-2 ( b ) Failure to delete or correct unverifiable or inaccurate information Experian 's continued reporting of these two false late payments is identical to the misconduct outlined in the CFPB 's XX/XX/2025 lawsuit, which details how Experian failed XXXX address known errors, refused to correct disputed data, and harmed consumers by reducing their credit scores unfairly. 
Thank you for your time and advocacy on behalf of consumers like myself. 
Sincerely, XXXX XXXX

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