Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Formal Complaint Against Experian Violations of FCRA, TILA, and Metro 2 Standards Dear CFPB, I am filing this formal complaint against Experian regarding multiple inaccurate, misleading, and unverifiable items currently being reported on my credit report, generated on XX/XX/XXXX. The inaccuracies listed below violate my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and Metro 2 compliance standards. 

Accounts in Dispute : XXXX. XXXX XXXX of {$2100.00} with inconsistent delinquency progression and no verification of billing. Past due : {$1600.00}. 
XXXX XXXX XXXX XXXXXXXX Balance of {$800.00} on a {$500.00} limit ( 160 % utilization ) ; account charged off but continues to report past due balance. Past due : {$800.00}. 
XXXX XXXX XXXX XXXX  XXXX ( Unsecured ) {$1300.00} charged off ; dates and delinquency timeline inconsistent with reported last payment. 
XXXX XXXX XXXX XXXXXXXX XXXX ( Credit Card ) {$6100.00} charge-off exceeds original limit ; timeline is inconsistent, suggesting data reporting errors. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Auto Loan ) {$9200.00} charged off with unclear balance justification ; delinquency chain inconsistent. 
XXXX XXXX XXXX XXXXXXXX Account shows {$0.00} balance but continues to report as charged off with unverified late payments. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX accounts totaling over {$2700.00} in charge-offs with exaggerated delinquency lengths and reporting beyond 7 years. 
XXXX. XXXX XXXX {$190.00} charged off. Last activity recorded long before charge-off, without evidence of legal billing cycles. 
XXXX XXXX XXXX ( Multiple Accounts ) Several accounts with excessive balance reporting, incorrect charge-off labels, and inconsistent dates or aging. 
XXXXXXXX XXXX XXXX Over-the-limit charge-off at {$3500.00} with no post-default activity ; last payment recorded in XXXX, yet charge-offs continue through XXXX. 

Despite multiple attempts to dispute these inaccuracies directly with Experian, my efforts have been unsuccessful. Each time, Experian responds that the items are 'verified ' but fails to provide the method of verification or any supporting documentation as required under the FCRA. Additionally, Experian has repeatedly refused to remove outdated or inaccurate addresses from my consumer report, despite valid disputes. Their written response states that it is 'Experian policy not to remove old addresses, ' which I believe is in direct violation of FCRA requirements for accurate and relevant personal information reporting. my efforts have been unsuccessful. Each time, Experian responds that the items are 'verified ' but fails to provide the method of verification or any supporting documentation as required under the FCRA. 

Legal Basis for Complaint : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to properly investigate consumer disputes.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Reporting of information known or reasonably believed to be inaccurate.

15 U.S.C. 1666 ( b ) ( TILA ) : Failure to issue timely and proper billing statements prior to reporting derogatory payment status. 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The CFPB charged Experian with deceiving consumers about the use of credit scores it sold and failing to adequately address consumer disputes. This case highlights Experian 's pattern of failing to respond adequately to consumer complaints and misrepresenting dispute outcomes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Established that inaccurate credit reports that result in harm are actionable under FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reinforced consumers ' right to dispute inaccurate or unverifiable credit information. 

Resolution Sought : 1. Full investigation and correction or deletion of the accounts listed above from my Experian credit file.

2. Written explanation from Experian verifying how these items comply with FCRA, TILA, and Metro 2.

3. CFPB enforcement action if Experian fails to provide appropriate resolution. 
Thank you for your attention to this complaint and for upholding consumers ' rights to accurate credit reporting. 

Sincerely, 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