Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Complaint Against Experian Failure to Correct Inaccurate Credit Reporting To the Consumer Financial Protection Bureau : I am filing a formal complaint against Experian for their repeated and willful failure to correct inaccurate reporting on my credit file despite multiple disputes and documentary proof. 

Background I have disputed an account with Experian three times, each time providing supporting documentation, including a letter from the creditor confirming the account was paid in full with a {$0.00} balance. 
Despite this, Experian continues to report false information, including : Listing the account as paid in settlement and " settled for less than full balance '' showing part of the balance as written off, even though the creditor letter confirms it was fully satisfied with no balance and the amount they have listed as written off is what the letter confirms was paid. 

Reporting that XXXX XXXX charged off the account after it was paid in full, which is factually impossible. 

Claiming that a portion of the account was written off even though the amount I actually paid to close the account, plus the amount they allege was written off, is significantly more than the original loan itself. 

This clearly demonstrates that there is visible contradictory information within the report itself. Experian has chosen to disregard these contradictions, which raises serious concerns about their competency, procedures, and good faith in investigating disputes. 

Violations of Law Experians conduct violates several provisions of federal and state law, including : FCRA 1681i ( Reinvestigation of Disputed Information ) : Failing to reasonably investigate my disputes and correct or delete inaccurate information.

FCRA 1681s-2 ( Duty to Provide Accurate Information ) : Continuing to furnish information they know is inaccurate.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

FDCPA 1692e ( False or Misleading Representations ) : By publishing false account statuses that misrepresent the character and amount of the debt. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : Misrepresenting the character, extent, or amount of a debt.

Experian has now had well beyond the 30-day timeframe required by the FCRA to either correct the inaccurate information or delete the account. They have refused to do either, and instead continue to update the account with data that remains false and misleading.

Experians Treatment of My Disputes Experian refuses to allow me to dispute items online ; instead, I am forced to write detailed letters outlining the inaccuracies. Despite this, they have ignored my documentation and continue to update the account with new but still inaccurate information. 

When I call Experian, I am only allowed to dispute items through an automated system and can not speak with a live agent, even after repeated attempts to resolve this amicably. 

Rather than deleting unverifiable information, Experian relies on the creditors version, despite my producing written proof from the creditor itself. 

I believe Experians repeated refusal to correct or delete this account reflects a reckless disregard for their obligations under the law. Their conduct amounts to character assassination, as they accept contradictory creditor reporting over my documented evidence, damaging my reputation and creditworthiness. 

Harm This unlawful reporting has caused me direct financial harm, including higher deposits, increased insurance costs, and reputational damage.

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