Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Against : Experian Information Solutions , Inc .

Nature of Complaint : Experian is reporting inaccurate and unverifiable negative information on my credit report dated XX/XX/XXXX. Despite my previous disputes, Experian continues to report these items without conducting a proper reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Accounts in Dispute ( Experian ) : XXXX XXXX XXXX  Account ending XXXX ( opened XX/XX/XXXX ) reported as charge-off with {$820.00} balance. Data conflicts across bureaus and can not be verified. 

XXXX XXXX XXXX  Account ending XXXX ( opened XX/XX/XXXX ) reported as charge-off with {$2000.00} balance. Dates of last activity and payment history inconsistent. 

XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX  charge-off, purchased by another lender, with no documentation of ownership or obligation. 

XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX  collection tied to XXXX XXXX XXXX XXXX .. No contract or proof of ownership provided. 

XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX collection tied to XXXX XXXX XXXX XXXX No chain of custody or validation of debt provided. 

XXXX XXXX XXXX Accounts ending XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX  report late payments ( 90150 days ) from XXXX despite showing {$0.00} balance and closed/paid. This is inaccurate and misleading. 

XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as a redeemed repossession. Payment history shows repeated late notations despite the account being marked current, which is contradictory and inaccurate. 

Violations of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Experian failed to conduct a reasonable reinvestigation. Automated responses from furnishers do not satisfy this requirement. 

15 U.S.C. 1681e ( b ) : Experian failed to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) : Items that can not be verified must be deleted, yet Experian continues to report them.

15 U.S.C. 1681n and 1681o : By continuing to report unverifiable or inaccurate accounts, Experian is engaging in willful and/or negligent noncompliance, making them liable for damages. 

Relief Requested : I am requesting that the CFPB require Experian to : Delete all the above-listed inaccurate and unverifiable negative accounts from my credit report. 

Provide a corrected credit report reflecting these deletions. 

Ensure Experian improves its reinvestigation process to comply with FCRA requirements. 

Harm Caused : These false and unverifiable negative accounts are damaging my XXXX XXXX and restricting my access to fair credit opportunities. The continued reporting of these items is causing financial and reputational harm.

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