Consumer complaint received 2025-08-22 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: MO

Complaint narrative:
I am filing this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by Experian. Despite my prior disputes with complete supporting documentation, Experian continues to report inaccurate information on my credit file, and its interim response has failed to demonstrate compliance with federal law.

Details of the Complaint : Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) My credit file continues to show an inaccurate charge-off from XXXX XXXX XXXX XXXX XXXX Account # XXXX. I submitted a payoff letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, confirming that the debt was fully resolved as of XX/XX/XXXX, with a balance of {$0.00}. Based on this exact documentation, TransUnion has already deleted the account from my credit file. However, Experian has failed to correct or delete the same entry, which violates the requirement for maximum possible accuracy. 

Inadequate Investigation ( FCRA 1681i ( a ) ( 7 ) ) Experians interim response dated XX/XX/XXXX, merely stated that the company is still working on your issue, without providing any description of the reinvestigation procedure or evidence that a manual review of my documents was conducted. This proves reliance on automated processes ( such as e-OSCAR ) rather than a reasonable and thorough reinvestigation. This falls short of the investigative standards required by law. 

False Allegation of Potential Fraud On XX/XX/XXXX, Experian responded that I may have been a victim of fraud. I categorically deny this allegation. My dispute has never been about fraud ; it has always been about the continued reporting of a debt that has already been legally resolved and proven with documentation. This unfounded insinuation further damages my creditworthiness and demonstrates Experians failure to handle my dispute fairly and accurately.

Violation of FDCPA Standards ( 809 ( b ) ) The FDCPA requires furnishers and collectors to report only accurate and verifiable information. XXXX XXXX XXXX XXXX confirmed in writing that the debt was settled and no further collection activity would occur. Experians refusal to delete this account, despite proof and the precedent set by TransUnion, constitutes deceptive and harmful reporting under FDCPA protections.

request that the CFPB require Experian to : Conduct a full manual reinvestigation of the disputed account using original source documents. 

Immediately and permanently delete the XXXX XXXX XXXX XXXX account from my credit file, as it has already been verified as resolved by another bureau. 

Cease the use of misleading statements such as potential fraud in relation to this account, as such claims are unfounded and harmful. 

If Experian can not produce original documentation verifying the accuracy of the account, the law requires that the item be deleted under FCRA 1681i ( 5 ).

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