Consumer complaint received 2025-12-02 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: MA

Complaint narrative:
Dear XXXX XXXX XXXX : Dear Cfpb : Dear Experian : I am filing a complaint regarding the reporting and handling of an auto loan account furnished by XXXX XXXX XXXX. The information XXXX is reporting about this account is inaccurate, incomplete, and not properly verified, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

XXXX has a documented history of violating federal law in connection with credit reporting, auto-loan servicing, and consumer-account management. These issues have been recognized and enforced by multiple federal and state regulators. 

1. CFPB CONSENT ORDER AGAINST XXXX ( XXXX ) In XX/XX/XXXX, the Consumer Financial Protection Bureau issued a consent order against XXXX XXXX XXXX ( File No. XXXX ) for : furnishing information to credit bureaus that it knew or should have known was inaccurate, failing to correct false or incomplete information, failing to maintain policies ensuring accuracy and integrity of furnished data, and repeatedly violating FCRA obligations. 
This history directly relates to the problems I am experiencing. 

2. MULTISTATE ATTORNEYS GENERAL SETTLEMENT ( XXXX ) In XXXX, XXXX state Attorneys General issued a major enforcement action against XXXX for widespread unlawful and deceptive auto-loan practices, including failing to properly verify borrower information and servicing accounts inaccurately. This settlement required hundreds of millions in relief and confirmed a pattern of misconduct. 

3. XXXXXXXX  REPORTING ON MY ACCOUNT IS INACCURATE AND NOT VERIFIED I have disputed this account and requested verification. XXXX has failed to supply full documentationsuch as the original contract, payment accounting, validated balance calculations, and supporting recordsto substantiate the accuracy of the information being furnished. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher may not report information it knows or should know is inaccurate.

Under 1681s-2 ( b ), once a dispute is filed, the furnisher must conduct a reasonable investigation and delete information that can not be verified.

Under 1681e ( b ) and 1681i ( a ), CRAs must ensure maximum possible accuracy and delete unverifiable data.

Under Regulation V, 12 C.F.R. 1022.42, furnishers must maintain policies to ensure accuracy and integrity.

The CFPBs 2020 findings confirm that XXXX  has previously failed in these duties.

4. COURT PRECEDENT SUPPORTS MY DISPUTE ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. XXXX ) In XXXX, the XXXX XXXX held that a furnisher violates 1681s-2 ( b ) when it : fails to conduct a reasonable investigation, or continues reporting information that is not fully verifiable. 
This case makes clear that furnishers must meaningfully investigate, not simply recycle unverifiable data. 

Given XXXX regulatory history, its inability to substantiate the account, and its failure to meet statutory obligations, the reporting of this account is unreliable and should not remain on my credit file. The information appears unverifiable, inaccurate, and inconsistent with FCRA accuracy standards. 

I am requesting CFPB oversight because XXXX has not provided legally required validation and continues to furnish disputed, unproven information, in violation of federal law.

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