Consumer complaint received 2025-06-26 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:
Subject : Complaint Against Experian XXXX XXXX XXXX XXXX XXXX XXXX for Inaccurate Reporting and FCRA Violations To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting on my Experian credit report associated with a repossessed auto loan from XXXX XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX. Despite my numerous attempts to resolve these inaccuracies directly with Experian, I have received no meaningful assistance, and I feel ignored, unheard, and unprotected under my consumer rights. 

Summary of Complaint : My XXXX XXXX XXXX was repossessed on XX/XX/XXXX, but Experian and XXXX XXXX list the date inaccurately as XX/XX/XXXX. 

The repossession letter from XXXX XXXX XXXX ( dated XX/XX/XXXX ) clearly states that the vehicle sold at a private auction for {$3600.00} and includes a breakdown of applied funds and the remaining deficiency balance of {$22000.00}. 

However, Experians credit report ( dated XX/XX/XXXX ) lists the account with multiple discrepancies : Status : XXXX XXXX / XXXX, balance {$22000.00} ( which conflicts with how the funds were applied post-auction ). 

Comments : Still lists Fixed Rate which is misleading and no longer applicable post-repossession. 

Payment history and delinquency dates are inconsistent with the timeline outlined by XXXX XXXX. 

The account remains marked as active on my file even though it has been closed and transferred to collection, creating confusion and unjust damage to my credit. 

My response : I have called Experian several times and have filed multiple disputes explaining the inconsistencies. 

XXXX separate Experian representatives told me on XX/XX/XXXX that as long as the creditor verifies the information, Experian can not make changes. They refused to acknowledge my documentation or act upon the discrepancies between the creditors letter and the data listed on my credit file. 

I asked how Experian could claim to help consumers when they refuse to consider valid evidence of error. The representatives implied that unless the data furnisher ( XXXX  XXXX ) agrees to deletion, the account must remain, regardless of contradictory evidence. 

I was left feeling like Experian works for creditors, not consumers, and my rights were being disregarded. 

Violations of Federal Law : I believe these actions violate multiple provisions under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S. Code 1681i Reinvestigations of Disputed Information : Experian failed to conduct a reasonable reinvestigation after I submitted a dispute with supporting documentation. 

The law requires them to review all relevant information I provided, which they failed to do.

15 U.S. Code 1681e ( b ) Accuracy of Report : Experian is legally obligated to ensure maximum possible accuracy of the information they report. 

By continuing to publish conflicting and outdated information, they are in violation of this requirement.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) : XXXX XXXX XXXX XXXX XXXXXXXX also has a duty to report accurate information and to correct or delete inaccurate, incomplete, or unverifiable information. 

Failure to Investigate and Respond in Good Faith : Experians lack of action, failure to follow up on clear discrepancies, and reliance solely on the furnishers word shows a lack of due diligence.

Final Statement : I feel voiceless and unsupported as a consumer. Experian has failed in its duty to protect my rights, and instead has chosen to side with data furnishers without investigation. The continued reporting of inaccurate information is causing me financial and emotional harm, and I demand appropriate resolution. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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