Consumer complaint received 2025-08-17 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: AZ

Complaint narrative:
Experian Failed to Conduct a Reasonable Reinvestigation and Maintain the Accuracy of my Credit Report XXXX XXXX filing this complaint against Experian regarding multiple inaccurate and unverifiable accounts that remain on my credit report, despite my previous disputes. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to : Ensure maximum possible accuracy of the information it reports ( 15 U.S.C. 1681e ( b ) ), and Conduct a reasonable reinvestigation of disputed items ( 15 U.S.C. 1681i ( a ) ).

Experian has failed to comply with these legal requirements. Despite my repeated disputes, Experian has left inaccurate accounts on my file without providing me with proof of validation from the furnishers or original creditors. This constitutes a violation of the FCRA. 

Below is a list of the disputed accounts still reporting inaccurately : XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$0.00}. Deleted by XXXX, but Experian failed to investigate and delete. 
XXXX XXXX Credit Card, opened XX/XX/XXXX, balance {$160.00}. Reported as charged off ; Experian has not provided proof of charge-off. 
XXXX XXXX XXXX  Secured Credit Card XXXX XXXX XX/XX/XXXX, balance {$40.00}. Disputed late payments ; Experian has not provided payment records. 
XXXX XXXXXXXX XXXX XXXX, opened XX/XX/XXXX, balance {$4500.00}. Reported as charged off ; Experian has not provided validation. 
XXXXXXXX XXXX XXXX # XXXX, opened XX/XX/XXXX, balance {$0.00}. Disputed late payments ; no records provided. 
XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$0.00}. Disputed late payments ; no records provided. 
XXXX XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance {$0.00}. Disputed late payments ; no records provided. 
XXXX XXXX XXXX XXXX Credit Card, opened XX/XX/XXXX, balance {$15000.00}. Reported as charged off ; no proof provided. 
XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$360.00}. Reported as charged off ; no validation provided. 
XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$620.00}. Reported as charged off ; no validation provided. 
XXXX XXXX XXXX XXXX  opened XX/XX/XXXX, balance {$390.00}. Disputed late payments ; no proof provided. 
XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$10000.00}. Disputed late payments ; no records provided. 
XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$0.00}. Experian reports XXXX late payments, while Equifax reports only XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}. No proof provided that collector owns or has authority. 
XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}. No proof provided. 
XXXX XXXX XXXXXXXX XXXX Balance {$1000.00}. No proof provided. 
XXXX XXXX XXXX XXXX Balance {$2500.00}. No proof provided. 
XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00}. No proof provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7000.00}. No proof provided. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$410.00}. No proof provided. 
XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX {$2900.00}. No proof provided. 
XXXX XXXXXXXX XXXX XXXX Hard inquiry on XX/XX/XXXX. I did not authorize this inquiry, and Experian has not provided proof of authorization. 

Experian has failed to conduct a lawful and reasonable reinvestigation. They continue to report inaccurate, unverifiable, and incomplete information despite multiple disputes. They have not provided proof of validation, charge-offs, ownership of debts, or authorization of inquiries.

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