Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A series of disputes have been submitted to Experian and the CFPB regarding the inaccurate reporting and reinvestigations of an account on my consumer report. On XX/XX/XXXX I sent my dispute and debt validation for multiple accounts to Experian via certified mail. The main item that has been reporting inaccurately is Texas Attorney General XXXX XXXX division and they have been reporting inaccurately since XX/XX/XXXX. Experian failed to submit a description of the procedure used to determine the accuracy and completeness of the information on any account disputed, which violates 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) and/or 15 U.S. Code 1681i ( a ) ( 7 ).

The incorrect balance they reported I owed began around ~ {$3500.00}. Since then, it has constantly increased, to its most recent amount of ~ {$7300.00}. Experian claimed they investigated the issue, but with a proper investigation it would have been obvious that Texas is not owed anything, and isn't the original state to which I pay child support for. 
I submitted a follow up dispute with supporting documentation on or around XX/XX/XXXX for incorrect information on my report. This was closed on XX/XX/XXXX with Experian stating the account was valid and the information reported was accurate. No consideration was given to the documentation I submitted proving Texas should not be involved and the information being report is inaccurate. This violates 15 U.S. Code 1681i ( a ) ( 4 ). 
On or around XX/XX/XXXX, I submitted an additional dispute citing problems with Experians investigation into an existing problem. Experian concluded that the account was accurate, reporting correctly, and closed their dispute investigation on or around XX/XX/XXXX. However, on XX/XX/XXXX, a representative from the Texas Attorney Generals office contacted me confirming that the balance is incorrect and would be corrected immediately. The fact that I received this information 8 days after the consumer reporting agency closed the investigation proves they did not conduct a proper investigation to ensure maximum possible accuracy, which violates 15 U.S. Code 1681e ( b ). This confirms negligent and willful intent of failure to conduct an adequate investigation and correct or delete the inaccurate account from a consumers credit report per FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( a ). I have attached the following : - Email communications between myself and the Texas XXXX XXXX XXXX confirming that I am current - The amount Texas is reporting is inaccurate- All payment receipts from XXXX - Original court documents from Indiana dated XXXX with the same cause number as Texas dated XXXX The cause number from Indiana is XXXX XXXX. This is the original state which I am current on my child support with a credit due to me. 
Experian has reported false information on my credit report for over a year without verifying the accuracy which is required according to the FCRA 15 U.S.C. 1681e ( b ). I am now being labeled a child support evader. With the continuous inaccurate and false reporting, I am nearing criminal charges. This has been a very stressful and costly situation for my family and me. I live in daily fear of a false warrant being issued to me. This false information is also increasing insurance rates while driving down my payment history plus credit score. 
XX/XX/XXXX filed first dispute XX/XX/XXXX second dispute XX/XX/XXXX disputed through CFPB XX/XX/XXXX reinvestigation completed On XX/XX/XXXX, I submitted a complaint to the CFPB citing improper reinvestigation processes by the credit reporting agencies. Experian responded on XX/XX/XXXX, stating all the information disputed was verified and correct. On XX/XX/XXXX, I reached out to a Texas Representative ( C.V. ) of my home county for assistance in rectifying this inaccuracy. I was then contacted by an assistant of the state representative to provide a summary of what has been going on. I was advised that the information would be forwarded to someone at the Texas XXXX office for review. On XX/XX/XXXX, XXXX, XXXX, from the Texas XXXX XXXX XXXX XXXX XXXX XXXX reached out advising that per their interface, I am current. I was notified that a request to terminate the Texas child support account will be submitted, as Indiana is current. I sent Experian a very detailed dispute and debt validation letter i
nforming them of the FCRA 15 U.S.C. 1681e and 15 U.S.C. 1681i, and my expectations in XX/XX/XXXX. It was in hopes that they did an honest investigation and be transparent which they failed both of us. I want this nightmare to end, my name cleared, and the credit reporting agencies to report accurate information because this has gone on for over a year. Experian has shown grossly negligent behavior over the past year and very corrupt business practices. 
Experian failed to conduct a reasonable reinvestigation and correct the inaccuracy. 
Experian failed to conduct a reasonable reinvestigation of the disputes submitted to them and the CFPB multiple times. Experian also failed to correct the disputed information, which is in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

While recognizing that consumer reports play an important role in the economy, Congress wanted consumer reports to be fair and equitable to the consumer and to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer reports. 15 U.S.C. 1681.

Congress, concerned about inaccuracies in consumer reports, specifically required consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy in consumer reports. 15 U.S.C. 1681e ( b ). Consumer reports that contain factually incorrect information which does not belong to the consumer at issue are neither maximally accurate nor fair to the consumers who are the subjects of such reports.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the dispu
ted information is accurate and record the current status of the disputed information or delete the item from the file in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Experian disregarded its duties under the FCRA with respect to my credit report. Experian places its business interests above the rights of consumers and reports such inaccurate information because it is cheaper for Experian to produce reports containing information that is inaccurate and incomplete than it is for Experian to exert proper quality control over the reports prior to their being provided to Experian customers. Experian reports such erroneous and incomplete information because it wants to maximize the automation of its report creation process, thereby saving the costs associated with conducting the additional review necessary to remove the inaccurate or out-of-date entries. 
Experian charges its customers the same price for reports that are grossly inaccurate as it does for accurate reports. Appropriate quality control review of my report would have been made clear that Experian was reporting an inaccurate account. The sole reason the inaccurate account was reported as belonging to myself was that Experian failed to follow reasonable procedures to assure the maximum possible accuracy of the information it published within the credit report it furnished. 
Had Experian followed reasonable procedures, it would have been discovered that I was current on my child support per Indiana, the state of origin, and should not have been included in my consumer report. 
Experian Failed to Conduct a Reasonable Reinvestigation and Correct the Credit Report in XX/XX/XXXX. On or about XX/XX/XXXX, I received an email correspondence from Experian confirming that it had received my dispute but needed me to identify what XXXX XXXX I was disputing. I was confused, because in both my XX/XX/XXXX, dispute and XX/XX/XXXX, dispute, I specified that I was disputing the inclusion of the Texas Attorney General Child Support account in my consumer report. Worried about the process of my dispute, I again reached out to Experian requesting a copy of my consumer report. On or about XX/XX/XXXX, I received another email correspondence from Experian notifying me that my dispute was still in process. On or about XX/XX/XXXX, I received a copy of my consumer reports, and my review confirmed what I had already come to believe : that the consumer report included inaccurate reporting of the Texas Attorney General Child support account. 
Upon information and belief, on or around XX/XX/XXXX, I received another email correspondence from Experian notifying me that my dispute had been completed and that an updated consumer report was available. 
Upon information and belief, on or around XX/XX/XXXX, I accessed a copy of Experians dispute results through its online portal. Upon information and belief, Experian asserted in its dispute results letter that it had reinvestigated my dispute and determined that its reporting was accurate and that it would not correct the subject child support account.

Upon information and belief, Experian continued to report in its consumer report that all information in my consumer report was accurate. 
Upon information and belief, Experian did not reinvestigate the Texas Attorney General records reporting in my consumer report, at all, despite my specifically disputing the child support Record in my XX/XX/XXXX dispute, XX/XX/XXXX dispute and XX/XX/XXXX CFPB complaint. 
Upon information and belief, Experian failed to properly process my disputes of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and failed to investigate the child support record that it had reported about me. 
Upon information and belief, despite my dispute to Experian, Experian failed to conduct a reasonable reinvestigation of my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dispute and failed to correct the disputed information in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Upon information and belief, Experian failed to issue a corrected consumer report, that no longer reported the Texas Attorney General XXXX XXXX account. 
Upon information and belief, because Experian failed to issue a consumer report, I would have been spared the financial burden of insurance premium increases, time spent, humiliation of being denied car rental, embarrassment, and stress imposed upon me to correct Experians erroneous reporting.

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