Consumer complaint received 2025-05-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX  Experian Information Solutions , Inc . 
XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Items and Request for Permanent Deletion Under FCRA 1681i ( a ) ( 5 ) ( A ), ( B ) Dear Experian Information Solutions , Inc., I am writing to formally dispute the accuracy and validity of certain items on my credit report maintained by Experian. The information I am challenging is either inaccurate, incomplete, unverifiable, or has been previously deleted and improperly reinserted in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. You are required to conduct a reasonable reinvestigation and ensure maximum possible accuracy in reporting, pursuant to your statutory obligations as a consumer reporting agency. 
Disputed Items : XXXX XXXX XXXX Status : Charged Off / Repossession Balance : {$12000.00} Issue : This account reflects inaccurate status and past due amounts. Additionally, a repossession is reported without substantiating documentation or permissible purpose disclosure. I request a full reinvestigation, verification, and documentation from the furnisher. 

Basis : The CFPB lawsuit ( 910, 5062 ) documents Experian 's over-reliance on furnishers despite illogical or unsupported responses, which may have led to this inaccurate reporting. This constitutes a potential breach of your duty under 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX Status : Charged Off Balance : {$200.00} Issue : This item includes conflicting reporting regarding payment history, past due amount, and charge-off date. I never received sufficient notice or verification regarding the final status or amounts reported.

Basis : The CFPB lawsuit ( 3349 ) indicates Experian often fails to provide relevant dispute details or consumer-submitted documentation to furnishers, which may have contributed to this inaccurate reporting. This failure constitutes a material violation of the FCRAs reinvestigation provisions, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Bankruptcy Public Record ( XXXX  XXXX ) Filed : XX/XX/XXXX Issue : Although this public record is set to expire under the 7-year rule ( 15 U.S.C. 1681c ( a ) ( 1 ) ), it remains on file beyond its permissible reporting period. Please remove this record immediately.

Basis : The CFPB lawsuit confirms Experian lacks adequate procedures to prevent outdated or reinserted data ( XXXX ), suggesting this record may be unlawfully retained, constituting willful noncompliance under 15 U.S.C. 1681n.

Hard Inquiries from Multiple Auto Lenders Dates : XXXX XXXX Issue : I dispute the legitimacy and permissibility of these inquiries, as I did not initiate or authorize multiple applications. 

Basis : The CFPB lawsuit ( XXXX ) states that Experian routinely fails to reinvestigate hard inquiry disputes unless fraud is explicitly alleged, violating 15 U.S.C. 1681i. These inquiries lack permissible purpose as defined under 15 U.S.C. 1681b ( a ).

Supporting Documentation included regarding this matter : Copy of government-issued photo ID Proof of current address Copy of the credit report with the disputed items highlighted ( dated XX/XX/XXXX ) Any settlement letters, prior dispute confirmations, or fraud affidavits Legal Grounds : In accordance with : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Any information that is found to be inaccurate or can not be verified must be promptly deleted from the consumer 's file. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If previously deleted information is reinserted, the furnisher must certify the completeness and accuracy of that data, and Experian must notify the consumer within five business days of the reinsertion. I have received no such notice, suggesting a violation of this statute.

15 U.S.C. 1681e ( b ) : You are required to use reasonable procedures to ensure the maximum possible accuracy of information reported. 

Additionally, the CFPBs XXXX lawsuit ( XXXX XXXX. XXXX ) documents repeated and systemic violations by Experian, including unlawful reinsertion practices, failure to provide results of reinvestigations, and failure to prevent reappearance of previously deleted tradelines, all directly applicable to my current dispute. These actions constitute willful noncompliance under 15 U.S.C. 1681n and/or negligent noncompliance under 1681o, subjecting Experian to civil liability, including actual damages, statutory damages, punitive damages, and attorney 's fees.

Requested Action : I request the following : Immediate permanent deletion of the disputed accounts and/or inquiries.

A full reinvestigation with documentation of findings as required by FCRA 1681i ( a ) ( 6 ).

Written confirmation that any deleted information will not be reinserted without proper certification and notification under 1681i ( a ) ( 5 ) ( B ) ( ii ) ( iii ).

Response Deadline : You are required by law to complete your reinvestigation within 30 days and provide me with written results within 5 business days thereafter, per FCRA 1681i ( a ) ( 6 ). Failure to comply will result in escalation of this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or initiation of legal action under 15 U.S.C. 1681n and 1681o.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

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