Consumer complaint received 2025-07-31 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:
I am filing this complaint because Experian has repeatedly failed to conduct reasonable reinvestigations into inaccurate, incomplete, and unverifiable information on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite my diligent efforts to dispute these errors and provide supporting evidence, Experian continues to report derogatory information that is either incorrect, can not be verified, or exceeds permissible reporting periods. 

Here is a summary of the issues, including relevant dates and actions taken : Chronology of Events & Specific Account Inaccuracies/FCRA Violations : Initial Discovery & Disputes : I regularly monitor my credit report. Upon reviewing my Experian credit report on [ Approximate Date you first found errors, e.g., XX/XX/XXXX ], I identified multiple inaccuracies across several accounts. 

Starting from [ Date of your first dispute, e.g., XX/XX/XXXX ], and on multiple occasions since, I have sent written dispute letters to Experian via certified mail ( with return receipts ) detailing the inaccuracies for each account and requesting their removal or correction. I included supporting documentation ( e.g., [ mention types of documents like payment records, original account statements, proof of identity theft, etc. ] ) that contradicted the information Experian was reporting. 

Experian 's Failure to Conduct Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) : Despite my disputes and submitted evidence, Experian has consistently provided boilerplate responses stating that the furnishers or public record vendors " verified '' the information. This indicates a failure to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ). A reasonable investigation requires them to do more than simply ask the furnisher ; they must objectively evaluate all information, including my provided proof, to ensure " maximum possible accuracy '' ( FCRA 607 ( b ) ). They have not demonstrated that they properly considered the evidence I provided.

Failure to Delete Unverifiable Information ( FCRA 611 ( a ) ( 5 ) ) : The FCRA mandates that if information can not be verified, it must be promptly deleted. Experian has not provided me with any verifiable proof from the furnishers that the disputed information is accurate. Their continued reporting of these items, without providing such proof, indicates a violation of their duty to delete unverifiable information.

Specific Account Details and Associated Issues : XXXX XXXX XXXX ( Account # XXXX  - Charge Card ) : Date Opened : XX/XX/XXXXXXXX  Status : " Account charged off. {$180.00} written off. {$120.00} past due as of XX/XX/XXXX. '' My dispute challenges the accuracy of the charge-off status and the reported past due amounts. [ Add specific reason for inaccuracy here, e.g., " I never had an account with this entity, '' or " This account was paid in full on [ Date ] and should not show a charge-off, '' or " The reported delinquency dates are incorrect. '' ] Experian 's reinvestigation simply stated the furnisher verified it, without providing any details or proof to me that the information is correct, especially concerning the accuracy of the charge-off or the payment history dates. 

XXXX ( Account # XXXX - Auto Loan - Joint with XXXX XXXX XXXX ) : Date Opened : XX/XX/XXXX Status : " Account charged off. {$39000.00} written off. {$36000.00} past due as of XX/XX/XXXX. '' My dispute asserts that [ State specific inaccuracy, e.g., " This account is not mine, '' or " The joint designation is incorrect, and I am not responsible for this debt, '' or " The dates of delinquency leading to the charge-off are inaccurate as the account was current at XXXX XXXX  Experian 's failure to remove or correct this account, despite my dispute and the provided evidence, indicates a flawed reinvestigation. 

XXXX XXXX XXXX ( Account # XXXX - Auto Loan ) : Date Opened : XX/XX/XXXX Status : " Account charged off. {$7100.00} written off. {$8300.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX. '' On record until XXXX XXXX. 

My dispute challenges the accuracy of the payment history, specifically the multiple " Charge Off '' entries from XXXX through XXXX. [ State specific inaccuracy, e.g., " I made payments on these dates that are not reflected, '' or " The account was settled/paid prior to these dates and should not be reporting as charged off repeatedly. '' ] The continuous reporting of " Charge Off '' entries up to XX/XX/XXXX, when the status was " updated XX/XX/XXXX, '' suggests a fundamental discrepancy that Experian 's reinvestigation has failed to resolve. 

XXXX ( Account # XXXX - Secured Loan ) : Date Opened : XX/XX/XXXXXXXX  Status : " Closed. {$1900.00} written off. Status updated XX/XX/XXXX. Balance {$0.00} as of XX/XX/XXXX. '' My dispute centers on the accuracy of the " charged off '' status ( XX/XX/XXXXXXXX  ) and the written-off amount given the reported {$0.00} balance. [ State specific inaccuracy, e.g., " This account was paid in full and should not show any derogatory status, '' or " I never authorized this account. '' ] Experian 's failure to correct this suggests an insufficient reinvestigation into the true nature of the account 's closure and balance. 

XXXX XXXX XXXX XXXX  ( Account # XXXX - Debt Buyer ) : Date Opened : XX/XX/XXXXXXXX  Status : " Collection account. {$940.00} past due as of XX/XX/XXXX. '' On record until XX/XX/XXXX. 

My dispute contends that [ State specific inaccuracy, e.g., " This debt is not mine, '' or " This debt is outside the statute of limitations for reporting, '' or " I previously settled this debt and it should not be reported as past due. '' ] The FCRA generally limits collection accounts to 7 years + 180 days from the date of original delinquency. Experian 's continued reporting of this account until XX/XX/XXXX without proper validation or explanation for its original delinquency date is problematic. 

XXXX XXXX XXXX ( Account # XXXX - Collection - Joint with Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) : Date Opened : XX/XX/XXXX Status : " Collection account. {$1300.00} past due as of XX/XX/XXXX. '' On record until XX/XX/XXXX. 

My dispute asserts that State specific inaccuracy " I am not responsible for this debt as it was a former roommate 's debt, settled, inaccurate balance " The joint responsibility is incorrect Experian 's reinvestigation has not resolved the underlying dispute regarding my responsibility or the accuracy of the collection status. 

XXXX XXXX XXXX XXXX ( Account # XXXX - Credit Card ) : Date Opened : XX/XX/XXXX Status : " Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. '' On record until XX/XX/XXXX. 

My dispute indicates [ State specific inaccuracy, e.g., " The charge-off amount is incorrect, as the balance was lower, '' or " The payment history leading to the charge-off is inaccurate ; I made payments that are not reflected. '' ] Experian 's failure to modify or delete this information, despite my attempts to dispute its accuracy, demonstrates a lack of reasonable reinvestigation. 

Overall FCRA Violations by Experian : Experian 's responses to my multiple disputes and CFPB complaints ( CFPB Complaint # XXXX, # XXXX ) have consistently stated that they followed the FCRA, yet the inaccuracies persist. This pattern of behavior suggests : Violation of FCRA 607 ( b ) - Procedures to Assure Maximum Possible Accuracy : Experian is not following reasonable procedures to assure maximum possible accuracy, as they are allowing inaccurate or unverifiable information to remain on my report, even when presented with contradictory evidence. 

Violation of FCRA 611 ( a ) ( 1 ) ( A ) - Duty to Reinvestigate : Their reinvestigations have been perfunctory and unreasonable, relying solely on furnishers ' affirmations without adequately reviewing or responding to the evidence I provided.

Violation of FCRA 611 ( a ) ( 5 ) - Deletion of Unverifiable Information : Experian has failed to delete disputed information that they can not, or will not, independently verify as accurate and complete.

I am seeking the immediate removal of all inaccurate, incomplete, and unverifiable accounts from my Experian credit report and a thorough explanation from Experian regarding their failure to comply with the FCRA in these matters.

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