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:
Hi, I saw that Experian was sued by the CFPB for violations of the FCRA, and I only know this because of their press release and because I have noticed inaccurate, unverified, and potentially reinserted accounts on my Experian credit report. This is unfair and damaging. According to the CFPB, Experian does not have proper systems to prevent deleted or inaccurate information from reappearing, and this needs to be addressed immediately.

Under the Fair Credit Reporting Act ( FCRA 609, 611 ), Experian must ensure the accuracy of reported information and conduct a reasonable reinvestigation when a consumer disputes an account. For over 5 months ( since XX/XX/XXXX ), I have sent Experian certified dispute letters requesting reinvestigation, but Experian has failed to provide documentation or Method of Verification ( MOV ) for these accounts.

Here are the accounts I am disputing : Account Name : XXXX, Amount : {$2500.00}, Date Reported : XX/XX/XXXX, Issue : Unverified Charge-Off Account Name : XXXXXXXX XXXX XXXX ( Closed ), Late Payments : Multiple between XX/XX/XXXX XX/XX/XXXX, Issue : Unverified Late Payments Account Name : XXXX XXXX XXXX , Reported 30 Days Past Due : Flagged on XX/XX/XXXX, Issue : Unverified Delinquency Additionally, I have concerns about an XXXX account reporting a {$15000.00} balance, which may contain inaccuracies in balance, payment history, or account status, and if previously disputed, its current reporting may constitute improper reinsertion under the FCRA. 

These unresolved, unverified, and potentially reinserted negative items have caused credit denials for housing and auto loans, resulting in financial and personal stress.

Heres what I need from Experian : A clear Method of Verification ( MOV ) including : Who Experian contacted to verify these accounts ( name and contact info ) The exact steps taken during the investigation Copies of any documents used, including signed contracts and full payment histories Immediate deletion of these accounts if Experian can not fully verify them, with written confirmation of deletions Verification of the XXXX ( {$15000.00} ) account for accurate balance, payment history, and status, with documentation Written confirmation that these accounts will not be reinserted into my credit file without proper certification as required by the FCRA I am aware of the CFPBs prior enforcement actions against Experian ( XXXX, XXXX ) for improper dispute handling and wish to resolve this without escalation. However, I am prepared to escalate this matter to my State Attorney General, the FTC, and the CFPB for further investigation if necessary. 

I expect a full investigation and a written response within 15 days as required by the FCRA. Please let me know when this has been resolved. 


Sincerely, 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