Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
I selected " Account status incorrect '' because Experian has failed to update the correct status of two accounts XXXX XXXX and XXXX which were both paid in full and submitted for mid-cycle reporting with confirmation numbers from the creditors. 

" This complaint is not only about outdated report information but also about the resulting artificially suppressed credit score, which Experian has failed to update despite verified lender submissions. '' CFPB FORMAL COMPLAINT AGAINST EXPERIAN To the Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint against Experian, a major credit reporting bureau, for deliberate negligence, failure to update accurate credit data, and obstructive consumer practices that are damaging my financial standing. 

I have made full payments to both XXXX XXXX and XXXX, who have already confirmed and submitted {$0.00} balance updates to all three credit bureaus, including Experian. These updates were done via manual, mid-cycle reporting, and I received confirmation and case numbers from both creditors. 

Despite this, Experian has refused to reflect these changes in a timely manner, while XXXX  and XXXX  have either already updated or are showing clear signs of activity. Experian is the only bureau that has remained stagnant and unresponsive, and I believe this to be intentional neglect and a violation of the Fair Credit Reporting Act ( FCRA ). 

In addition : Experian, like the rest of the major credit bureaus, has made it nearly impossible to address disputes directly. Their platforms are deliberately designed to block real human contact, restrict complaint options, and prevent fair consumer engagement.

I have tried multiple times to submit a credit score correction request and dispute through their system but it is clear that Experian has structured its interface to discourage or block genuine consumer feedback. This is not a glitch this is a designed, systemic obstruction. 

The end result? I am unable to access my rights as a consumer. I am unable to reach a real human being. I am stuck with false data, outdated balances, and credit scores that no longer reflect my actual financial standing all while Experian profits from the delays. 

I request the CFPB to : Immediately launch an investigation into Experian 's failure to report updated credit data despite confirmations from lenders ; Penalize Experian for obstructive platform design that deliberately blocks consumers from exercising their legal rights ; Require Experian to update my tradelines within 72 hours and confirm the changes in writing ; Ensure that Experian provides real, accessible dispute and communication channels as required by law.

This is a blatant abuse of power. I will not remain silent while my financial future is distorted by a system designed to silence consumers. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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