Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint against Experian for their continued failure to investigate and remove inaccurate, incomplete, and unverifiable information from my credit report, despite my previous attempts to dispute this information directly with them. As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX, and Experian has repeatedly failed to comply with its legal responsibilities under this law. 
The following accounts on my Experian credit report are being reported inaccurately and must be investigated thoroughly and permanently removed : XXXX XXXX Account No : XXXX * Date Opened : XX/XX/XXXX | High Balance : {$540.00} | Status : Charge Off Issue : This account is being inaccurately reported as a charge-off. I have never received proper notice of any default or charge-off from the creditor. Moreover, the account status and balance do not reflect accurate information based on my records. 
Violation : FCRA XXXX ( a ) Failure to conduct a reasonable reinvestigation. FCRA XXXX ( b ) Failure to maintain maximum possible accuracy. 
Story : I disputed this account previously, yet Experian failed to delete or verify it with adequate documentation from the original creditor. Continuing to report a charge-off without validation is willful noncompliance with federal law and harms my creditworthiness unjustly. 
XXXX XXXX Account No : XXXX * Date Opened : XX/XX/XXXX | High Balance : {$380.00} | Status : Charge Off Issue : This account is being reported with derogatory status even though it should no longer be affecting my credit due to age and lack of proper notice. 
Violation : FCRA XXXX ( a ), XXXX ( b ), and XXXX ( a ) ( XXXX ) Prohibiting obsolete information from being reported after XXXX  years. 
Story : Experian is reporting this as a current negative item despite it being outdated and unverifiable. They have not provided any results from their investigation or shown any records proving its validity. Reporting such outdated and unverifiable data violates the law and damages my financial standing. 
XXXX XXXX XXXX XXXX  Account No : XXXX * Date Opened : XX/XX/XXXX | High Balance : {$1100.00} | Status : Late Payment Issue : This account is reporting late payments inaccurately. I did not receive any formal delinquency notice nor any legitimate billing that substantiates these late marks. 
Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing of inaccurate information, XXXX ( b ). 
Story : I have tried to resolve this with Experian previously, but they did not conduct any meaningful investigation, nor did they provide proof from the furnisher. Continually reporting this without verification is a direct violation of the FCRA. 
XXXX XXXX XXXXXXXX Account No : XXXX * * Date Opened : XX/XX/XXXX | Status : Charge Off Issue : This charge-off is not only inaccurate, but Experian has failed to provide any supporting documentation or proper investigation results after my previous disputes. 
Violation : FCRA XXXX ( a ), XXXX ( b ). 
Story : The status of this account does not match any billing or communication Ive received from the creditor. Experian is acting negligently by continuing to report this charge-off with no substantiated data, damaging my credit and reputation unfairly. 
Summary of Violations by Experian : Failure to conduct reasonable reinvestigations under FCRA XXXX ( a ) Failure to maintain accuracy under FCRA XXXX ( b ) Continued reporting of unverifiable and obsolete information under FCRA XXXX Willful noncompliance resulting in damages to my credit profile and personal life I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to initiate a formal investigation into Experians repeated violations and negligence. I demand permanent deletion of the above-mentioned accounts from my Experian credit report due to failure of verification and compliance with federal laws. 
I am also requesting that Experian be held accountable for violating my rights under federal law and that I receive a copy of all investigation documents, procedures followed, and communication records with the furnishers regarding these disputes.

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