Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX, authorized under a signed Consumer Authorization & Limited Assignment Agreement dated XX/XX/year>, to act on behalf of consumer XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, California XXXX, regarding severe and ongoing violations by Experian of the Fair Credit Reporting Act ( FCRA ). Experian has repeatedly failed to uphold its statutory duty to ensure the accuracy, completeness, and verifiability of consumer credit information as required under 15 U.S.C. 1681e ( b ) and 1681i. 

Despite written disputes submitted on XX/XX/year>, Experian continues to report multiple duplicate and contradictory student loan tradelines under the names XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXXXXXX. These accounts appear numerous times on the credit report with conflicting datasome versions marked as In Good Standing while others, with the same account numbers, are shown as Past Due or XXXX Days Late. The payment histories, balances, and remarks differ from XXXX duplicate listing to another, making it impossible to determine which data, if any, is accurate. 

In several instances, Experian also maintains inconsistent remarks such as Dispute Resolved Subscriber Disagrees and Consumer Disputes After Resolution on the same account. This demonstrates Experians failure to conduct a lawful reinvestigation under FCRA 611 ( a ) and its continued publication of unverifiable and inconsistent information, which constitutes willful noncompliance under 616 and negligent noncompliance under 617 of the Act. These inaccuracies have persisted for months, causing XXXX XXXX significant harm, including credit denials, score suppression, and emotional distress. 

The consumer provided Experian with all required supporting documentation, including identification, proof of address, and a comprehensive dispute letter clearly outlining the violations and requesting deletion or correction of the inaccurate and duplicative accounts. Experians responseor lack thereofshows a reckless disregard for the consumers rights, amounting to a systemic failure to maintain procedures ensuring maximum possible accuracy, as required by FCRA 607 ( b ).

The consumer and her authorized representative hereby demand that the Consumer Financial Protection Bureau ( CFPB ) initiate a formal investigation into Experians handling of this matter. Specifically, we request that the CFPB require Experian to : ( XXXX ) conduct a full reinvestigation of all XXXX and XXXX tradelines ; ( XXXX ) permanently delete or suppress any duplicate or unverifiable entries ; ( XXXX ) provide written verification and documentation of any information Experian chooses to retain ; and ( XXXX ) implement corrective compliance measures to prevent future violations. 

This complaint also requests that the CFPB consider civil and statutory penalties against Experian under FCRA 616617 for willful and negligent violations, as well as consumer compensation for damages resulting from the continued publication of false, misleading, and duplicative credit information. Attached to this complaint are copies of the XX/XX/year> dispute letter, the consumers credit report showing duplicate student loan entries, and the signed authorization agreement designating XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX as the authorized representative to act on XXXX XXXX behalf. 

Experians pattern of misconduct reflects a clear and willful disregard for federal law and the consumers rights, and it is imperative that the CFPB hold Experian accountable for these ongoing violations.Bankruptcy Chapter XXXX Docket Identifier XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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