Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
XX/XX/year> To Whom It May Concern, I am filing this formal dispute against Experian for its failure to properly investigate multiple inaccurate and potentially fraudulent entries listed on my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ), particularly Sections 1681i and 1681s-2. 

My Experian credit report dated XX/XX/year> ( Report XXXX. XXXX ) contains several negative accounts that remain unresolved or inaccurately reported despite previous disputes, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off account with a balance of \ {$6000.00}. The account continues to show a charge-off and delinquencies without validation or meaningful investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off with a balance of \ {$4900.00}. No documentation has been provided to verify the accuracy of this account. Despite a prior dispute, no correction or deletion has been made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off with a \ {$7900.00} balance. Payment history shows numerous delinquencies and a charge-off. Experian marked this account as investigated but left all derogatory data intact. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Charged-off with a \ {$35000.00} balance and repossession reported. This account was previously disputed, yet Experian concluded its investigation without providing documentation to confirm the account 's accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account reflects extensive delinquencies ( XXXX XXXX XXXX XXXX XXXX days past due ) with an open status and an active balance. Despite a fraud alert on my file, Experian has not addressed this account as potentially fraudulent or verified its legitimacy. 

These entries are inaccurate, unverifiable, or have not been validated in accordance with the legal obligations imposed on credit reporting agencies under FCRA 1681i, which requires a reasonable reinvestigation of disputed information within XXXX days. Experian 's responses to my disputes have been generic and dismissive, failing to demonstrate that the data furnisher provided sufficient documentation or conducted a reasonable reinvestigation. 

Furthermore, the presence of a * * fraud alert * * and multiple disputes on file ( as noted in the personal statements section of the report ) indicates that Experian should have applied heightened scrutiny to these accounts. The continued reporting of these entries without proper investigation violates my rights as a consumer. 

* * Requested Relief : * * I respectfully request that the Consumer Financial Protection Bureau investigate Experians handling of my disputes. I am seeking the deletion of the above accounts unless Experian can provide documented proof of their accuracy and legitimacy as required by the FCRA. 

Thank you for your time and assistance in this matter.

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