Consumer complaint received 2025-12-01 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:
This is my third CFPB complaint regarding the continued reporting of inaccurate, unverifiable, and improperly investigated accounts by Experian and XXXX. 
I submitted formal disputes on XX/XX/XXXX. At no time did I claim identity theft, fraud, human trafficking, or any related allegation. My disputes were factual disputes based on accuracy, completeness, consistency, and verifiability issues under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. 
Despite this, Experian improperly closed my CFPB complaint by labeling me a victim of fraud, which is false and directly misrepresents my dispute. I did not file a fraud or identity theft claim. This misclassification allowed Experian to avoid performing a proper investigation as required by law and to issue a generic verified response without providing any documentation or actual proof of accuracy. 
This conduct violates multiple provisions of federal law. 
Accounts Still Being Reported That Have NOT Been Properly Verified The following accounts remain inaccurately reported and continue showing adverse information despite being actively disputed and not properly investigated or documented : Experian XXXX | Account XXXX XXXX  Late payment {$35.00} In Dispute XXXX XXXX XXXX | Account # XXXX Repossession {$0.00} balance In Dispute XXXX XXXX | Account # XXXX Repossession {$35000.00} balance In Dispute XXXX XXXX XXXX | Account # XXXX Repossession {$14000.00} balance In Dispute XXXX XXXX XXXXXXXX XXXX | Account # XXXX Repossession {$5600.00} balance XXXX XXXX  XXXX XXXX Example of Willful Non-Compliance Experian continues to report XXXX XXXX XXXXXXXX XXXX as a repossession/charge-off with a {$5600.00} balance, even though this account was closed in XXXX over XXXX years ago. This is outdated, inaccurate, and internally inconsistent data. 
Despite multiple disputes submitted directly with : Experian XXXX XXXX XXXXXXXX XXXX ( the furnisher ) No party has produced : A signed consumer contract or application A complete payment history A charge-off or repo accounting ledger A balance breakdown justifying the reported amount Any documentation proving ongoing liability for the alleged balance Instead, Experian responds with automated verified responses without providing any actual proof or explanation, which is not a valid investigation under federal law.

It is impossible to claim verification without documentation.

A data point can not be legally verified simply by repeating the allegation.

Legal Violations The conduct of Experian and the involved furnishers violates the following laws and standards : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of reported information.

Reporting closed accounts as open charge-offs or showing balances without proper documentation is inaccurate and violates this provision.

Requires credit bureaus to conduct a reasonable reinvestigation when disputes are filed and to provide the source and method of verification if information is confirmed.

None of this has been provided. 
The bureaus have not produced a single document supporting their claims. 

Requires furnishers to conduct a meaningful investigation when they receive disputes from credit bureaus. 
Repeating unverifiable data without producing records does not meet the standard for a reasonable investigation. 

Require that all disputed accounts be properly flagged as in dispute and that data be consistent, complete, and correct. 
These accounts have not been properly investigated despite dispute flags.

Under Metro 2 standards, furnishers may not report : Conflicting account statuses Unsupported balances Charge-offs or repossessions with no validating documentation Reporting a closed account while listing a balance and charge-off or repo status without accounting records is specifically prohibited.

Where third-party collectors are involved, continued reporting or collection of unverified debts violates : FDCPA 807 False or misleading representations FDCPA 809 ( b ) Failure to validate debts after dispute Collectors must cease reporting until they provide proper validation which they have not done.

Misclassification as Fraud I did NOT file a fraud or identity theft claim.

Experians action of labeling my complaint as fraud or victim of fraud is : False Misleading Unlawful A procedural shortcut to avoid proper reinvestigation This mislabeling sidesteps the bureaus FCRA obligations, allowing them to issue stall responses instead of producing documentation or completing proper investigations.

What Would Be A Fair Resolution?

I request that the CFPB require Experian and all involved furnishers to immediately : Conduct a lawful reinvestigation under FCRA 611 ( a ) for each disputed account.

Provide actual verification documentation, including : Signed contracts/applications Full payment histories Charge-off and repo ledger accountings Balance validation records Assignment/ownership documentation where applicable Delete every account that can not be fully verified with original documentation and accounting.

Correct the false classification of my disputes as fraud.

Update my credit files to remove all inaccurate, unverifiable, conflicting, or outdated data.

Provide updated credit reports reflecting these corrections.

I am not requesting special treatment I am simply demanding legal compliance.

If Experian or any furnisher can not prove the accuracy of what they report, the law is crystal clear : The information must be deleted.

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