Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
1. History of Improper Reporting Since XXXX, Experian has flagged multiple payments I submitted within the XXXX grace period as XXXX and XXXX late, even though I have documentation showing each was paid on time. 

I formally disputed these entries in XXXX, XXXX, and XXXX, yet Experians investigations merely slapped a generic consumer dispute noted comment on each tradelineleaving the derogatory marks intact. 

My most recent dispute in XXXX likewise resulted in no meaningful change to my payment history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Failures of Investigation FCRA 611 ( 15U.S.C. 1681i ) Under 1681i ( a ), upon receiving a direct dispute, Experian must : Conduct a reasonable reinvestigation of any information it reasonably believes may be inaccurate. 

Review all relevant information I supplied. 

Delete or correct any item it can not verify as accurate. 

Experian has done none of the aboveviolating the courts mandate in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX where the XXXX XXXX held that credit bureaus may be liable for failing to conduct a meaningful review of consumer-supplied evidence.

3. Accuracy Obligations FCRA 607 ( b ) & 623 ( a ) ( 1 ) ( A ) 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

1681s2 ( b ) obligates furnishers ( the original creditors ) to modify or delete information after receiving notice of
a dispute from a credit bureau.

Experians refusal to delete or correct unverified latepayment flags has created a de facto safe harbor for furnishers to continue reporting demonstrably false delinquencies.

4. Relevant Case Law on Furnisher and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX ) : Holding that reinvestigations must be more than token gestures. 

XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX  Bureau held liable where disputed tradelines were not properly verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Furnishers must cease reporting once inaccuracies are identified.

5. Ongoing Harm and Urgent Request These false latepayment marks have : Depressed my credit score by over XXXX points. 

Increased my interest rates on auto and mortgage applications by several percentage points. 

Forced me to incur extra fees to secure financing I should have qualified for at prime rates. 

I respectfully request that the FTC : Investigate Experians pattern and practice of failing to conduct meaningful reinvestigations as required by FCRA 611.

Enforce immediate deletion or correction of all latepayment notations on my file that were paid within the 30day window. Hold Experian accountable for ongoing violations of FCRA 1681e ( b
) ,1681i ( a ), and1681s2 ( b ). 

This abuse of reporting power has gone on for over XXXX years and must be halted at once. I am prepared to provide all documentationincluding proof-of-payment slips, bank statements, and my prior dispute lettersto support this complaint.

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