Consumer complaint received 2025-05-19 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:
I am filing a formal complaint against Experian for willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, unverifiable, and inconsistent tradeline data after I submitted detailed disputes and supporting documentation. Although Experian deleted one collection, it has retained and updated other tradelines that remain factually and legally defective.

Experian is knowingly publishing contradictory data across the following accounts : 1. XXXX XXXX Acct # XXXXXXXX XXXX XXXX Opening date conflict : XX/XX/XXXXXXXX XXXX XXXX XXXX vs XX/XX/XXXXXXXX XXXX EXXXXX XXXX Credit limit missing on XXXX ; others show {$750.00} No IRS 1099-C issued for {$1000.00} charge-off ( IRS Regulation 6050P violation ) Same past due reported despite account closure Experian made no meaningful correction, just cosmetic updates 2. XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX Opening date conflict : XX/XX/XXXXXXXX XXXX XXXX  ) vs XX/XX/XXXXXXXX XXXX EXXXXX XXXX High credit : {$500.00} XXXX XXXX XXXX {$0.00} ( EX ), {$270.00} ( XXXX XXXX  all different Credit limit is {$500.00} on XXXX, but {$0.00} on XXXX Experian truncates account number as XXXX XXXX XXXX unverifiable No proof of collection activity or third-party validation Charge-off reported without lawful basis or IRS 1099-C 3. XXXX XXXX Acct # XXXXXXXX XXXX XXXX Opening date conflict : XX/XX/XXXXXXXX XXXX XXXX XXXX vs XX/XX/XXXX ( EXXXXX XXXX Balance shows {$3500.00} ( XXXX  ) XXXX {$0.00} ( EX ) factual inconsistency Status conflict : Experian reports Open despite charge-off reporting No 1099-C cancellation of debt provided Dispute comments differ across bureaus ; no uniformity XX/XX/XXXX Dispute Response Screenshot ( Attached for Record ) : Experian issued a dispute response stating that XXXX XXXX XXXXXXXX ( Acct # : XXXX XXXX and XXXX XXXX ( Acct # : XXXX ) were verified and updated. However, they ignored the exact inaccuracies I disputed including conflicting opening dates, inaccurate balances, and IRS 1099-C issues and made vague updates to unrelated fields. This is a clear violation of FCRA 1681i ( a ) : Experian failed to conduct a lawful reinvestigation. It relied on furnisher parroting and ignored my evidence, thereby violating its duty to review a
nd verify with reasonable procedures.

Experians response amounts to : Verified without verification Refusal to investigate Willful publication of false data Negligent defamation and obstruction of credit access Damage to my financial standing as a father of XXXX XXXX  Pattern of Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a lawful reinvestigation FCRA 605B : Failure to block unverifiable information within 4 business days FCRA 604 ( a ) : Furnishing data with no permissible purpose FCRA 1681a ( d ) ( 2 ) ( A ) ( i ) : Reporting internal transactional data as derogatory without legal collection activity IRS Regulation 6050P : No 1099-C cancellation of debt issued for charge-offs exceeding {$600.00} Defamation by implication and
reputational harm through negligent publication of conflicting data This false data has caused : Housing and credit denials Severe emotional distress Obstruction of financial stability for me and my XXXX XXXX XXXX  Experian has not only failed to fix these issues, but has exacerbated harm by updating incorrect data instead of removing it.

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