Consumer complaint received 2025-05-10 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: PA

Complaint narrative:
I am submitting this complaint against Experian and XXXX for their continued violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and federal consumer protection laws. XXXX deleted every false name, false address, and negative account tied to my credit file. That should have been the end of it. But Experian and XXXX refused to follow suitdespite being bound by the same laws. 

Experian verified an account within 24 hourswhile my legal name was still being corrected. They used a name that had already been found to be inaccurate and removed from my report the very next day ( XX/XX/year> ). 
This means Experian completed a verification using invalid personal information and falsely attached that account to my legal identitywhile knowing they were in the middle of updating the name correction. 
That is not just a reporting errorit is a willful act of misrepresentation. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation If a consumer disputes information the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Experians 24-hour turnaround means the investigation was neither reasonable nor lawfulespecially when the identifying information used to verify the account was actively being corrected. 
I should not have to file dispute after dispute or complaint after complaint to fix what another CRA already fixed. My credit file was hijacked, and I am taking it back. 
Times up. No more stalling. No more excuses. No more empty investigations. 
This is no longer about correctionits about enforcement and compensation. 
Experian and XXXX lost the moment XXXX deleted those accounts. 
Now Im demanding what the law owes me.

They are : Continuing to report false accounts, Manipulating payment history ( labeling late payments and charge-offs as positive ), Displaying XXXX derogatory marks while reporting 3090 day lates behind the scenes, And using data that was already proven inaccurate and unverifiable by another CRA. 

Their reporting violates : 15 U.S.C. 1681e ( b ) for failure to ensure maximum possible accuracy, 1681i ( a ) ( 5 ) for failure to delete unverifiable data, 1681i ( a ) ( 5 ) ( D ) the Uniformity Rule, which requires alignment once another CRA deletes false data, And likely state consumer fraud laws for deceptive and misleading credit reporting practices. 

I should not have to file complaint after complaint and dispute after dispute to correct records that were already proven false. My verified file has been overwritten with errors. I am no longer just requesting correctionI am demanding deletion, enforcement, and compensation for the delays, denials, emotional distress, and financial harm I have endured. 

Experian and XXXX are not just harming methey are undermining the law. 
This complaint should leave a bad taste in the CFPBs mouth. 
Because now, it is not about dispute resolutionit is about accountability. 

I dont dispute for correction. I dispute for justice. Times up no more stalling

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