Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
To Whom It May Concern, This is a formal complaint against Experian for their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) and their willful mishandling of multiple disputes related to XXXX XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX XXXX ( XXXX  ), and XXXX XXXX accounts. 

On XX/XX/year>, I mailed to Experian and they received on XX/XX/year> a complete set of dispute materials, including : A notarized Affidavit of Truth A formal Cease and Desist letter A legal breakdown of violations related to XXXX, XXXX, and student loans Supportive documentation and evidence packages, with law citations Despite these submissions and an online notice that documents would follow, Experian blatantly ignored all documentation and prematurely closed the reinvestigation without incorporating the mailed evidence, violating FCRA XXXX ( a ) ( XXXX ) ( B ). 

XXXX XXXX XXXX XXXX ( XXXX ) : This account was previously deleted from my Experian credit file earlier this year. However, Experian reinserted the XXXX account within XXXX weeks, finalized by XX/XX/year>, without providing : Certification from the furnisher confirming accuracy Written notice within XXXX business days, as required under FCRA XXXX ( a ) ( XXXX ) ( B ) My authorization for the reinsertion of the account Furthermore, Experian updated the account to reflect a charge-off and multiple late payments, which are legally improper and factually false. 

XXXX Grounds for Removal : FCRA XXXX ( b ) [ 15 U.S.C. 1681e ( b ) ] : Requires Experian to maintain maximum possible accuracy the reporting is demonstrably false. 

FCRA XXXX ( a ) ( XXXX ) ( A ) : Experian failed to conduct a complete and reasonable reinvestigation. 

FCRA XXXX ( a ) ( XXXX ) : If a debt is charged off and a XXXX was issued, the consumer must be notified. I received no such form. 

Truth in Lending Act & IRS Requirements : A charge-off implies forgiveness of debt. If XXXX charged off this account, I must legally be issued a XXXX, which I was not making the charge-off illegally reported and unverifiable. 

Experians own website states : Late payments are not automatically reported unless the creditor reports it, and accounts not open or active may not be updated with delinquencies. 

This is key, because XXXX has also provided me with a XXXX XXXX showing the account was satisfied. The vehicle in question is also legally owned by my private trust, not me personally. I am willing to provide this documentation. 

Therefore, I am demanding immediate deletion of the XXXX account for the following reasons : The dispute was ignored. 

Supporting documentation was discarded. 

The account was previously removed. 

It was reinserted without my knowledge or authorization. 

Late payments and charge-offs are not legally reportable without proper evidence and due process. 

XXXX confirms the account is satisfied. 

The asset is no longer personally owned, but belongs to a lawfully filed irrevocable trust. 

XXXX & XXXX XXXX  : Additionally, the XXXX  and XXXX XXXX accounts remain on Experians report despite being removed from XXXX  and XXXX. This violates FCRA XXXX ( b ) and XXXX ( a ), as all consumer reporting agencies are required to maintain uniform and verified information. I will also submit side-by-side credit report screenshots as proof. 

In Summary, Experian Has : Failed to honor mailed legal documents Reinserted XXXX data in violation of FCRA Falsely reported charge-offs and delinquencies Ignored my affidavit, trust ownership status, and XXXX XXXX XXXX non-uniform data across bureaus Refused to remove accounts that can not be legally verified Relief Requested : I am demanding : Immediate removal of the XXXX  account XXXX including charge-off and late payments Permanent deletion of XXXX and XXXX XXXX accounts from Experian An investigation into Experians systemic failure to handle mailed disputes and cease and desist notices That CFPB compels Experian to comply with all applicable sections of the FCRA, UCC, and IRS XXXX requirements I XXXX submit all evidence, including tracking confirmation, documentation from XXXX, screenshots from XXXX  and XXXX, and the XXXX ownership transfer to my trust. I ask that this complaint be escalated within CFPB for further regulatory action. 

Sincerely, XXXX 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