Consumer complaint received 2025-09-08 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 complaint concerns XXXX XXXX XXXX, account # XXXX, which Experian continues to report negatively. 

I previously filed CFPB complaint # XXXX. Experian responded with a generic verified as accurate letter but provided no supporting documentation, no method of verification, and no original records. Despite this failure, Experian continues to publish damaging derogatory information on my consumer report. 
Current reporting includes : Multiple derogatory notations : 30, 60, 90, 120, 150, and 180-day late payments across XXXX. 


A past-due balance exceeding {$5500.00}. 


Status listed as Potentially Negative. 


Conflicting notations showing Recalled to XXXX  XXXX  duty while still marking the account severely delinquent. 


Inconsistent payment history fields and invalid dates, reflecting Metro 2 noncompliance.

This inaccurate and unverifiable reporting has been disputed before, yet Experian continues to publish it. 

Violations FCRA 611 ( 15 U.S.C. 1681i ) : Experian failed to conduct a reasonable reinvestigation. Reliance solely on the furnishers word is not compliance.

FCRA 609 ( 15 U.S.C. 1681g ) : No documentation or source information was provided despite my request.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : XXXX continues furnishing unverifiable information that Experian is publishing. 


FCRA 605 : Unverifiable adverse information can not remain on file.


FCRA 616617 ( 15 U.S.C. 1681n1681o ) : Continued reporting of unverifiable data is willful and negligent noncompliance, exposing Experian to liability.

SCRA ( 50 U.S.C. 3937 ) : As an XXXX servicemember, I am entitled to heightened protections. Continuing derogatory reporting without lawful verification directly violates those protections.

Additionally, Experian conducted this reinvestigation in violation of my formal cease and desist request. I clearly instructed that no further communication or activity should occur unless and until verifiable documentation was produced. By proceeding anyway and failing to provide evidence Experian violated its duties under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I respectfully request CFPB require Experian to : Immediately delete the entire XXXX XXXX XXXX account ( # XXXX ) from my Experian credit file. 


Cease and desist from further reporting unless actual, verifiable evidence is produced. 


Provide written confirmation of the deletion. 



Experian has now failed twice : first, by not providing documentation ; second, by violating my cease and desist order while still claiming to investigate. They have not produced contracts, payment ledgers, DOFD records, or Metro 2 compliance fields only unsupported claims. Continuing to report this account is unlawful and prejudicial, especially while I am serving on XXXX XXXX. 

At this point, permanent deletion of the account in full is the only lawful and appropriate remedy. 
Respectfully,

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