Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
This complaint is being submitted out of deep frustration and genuine concern for the continued inaccuracies that Experian is reporting on my credit file. Despite my efforts to maintain a clean and responsibly managed credit profile, Experian continues to report multiple charge-off and collection accounts that are either factually incorrect, unresolved through proper dispute channels, or show a {$0.00} balance yet remain listed in a derogatory status. 

Several of the accounts in question, including those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are either paid in full or no longer have any outstanding balances. Some of them have aged beyond the time frame where such reporting should even have continued presence or derogatory impact under federal guidelines. And yet, here they arelingering on my credit file like a weight I can not shake off, directly impacting my ability to secure fair financing, housing, or even basic financial tools.

Experian is obligated under the Fair Credit Reporting Act to ensure that all information reported is not only accurate but up to date and verifiable. Section 607 ( b ) of the FCRA ( 15 U.S. Code 1681e ( b ) ) clearly requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. That means if a balance has been paid or if a charge-off has been settled or disputed and not properly verified, Experian must remove or correct it. These obligations are not optional, and they exist for the very reason Im writing nowto protect people like me from enduring ongoing harm due to stale or inaccurate reporting.

I have also exercised my rights under Section 611 of the FCRA to initiate disputes. Yet I feel that my concerns were dismissed with little to no actual reinvestigation, in violation of 15 U.S. Code 1681i. In many cases, it seems that Experian merely parroted back the information from the furnishers, even when it contradicted supporting documentation or had obvious discrepancies. Thats not a reinvestigation. Thats passing the buckand it directly contradicts the laws requirement to review and consider all relevant information provided by the consumer. 

The consequences of these errors go beyond frustration. Ive been denied credit, offered inflated interest rates, and forced to explain negative marks that should not even be associated with me anymore. It affects where I live, how I access money, and even my peace of mind. Every time I pull my credit report, I brace myself for the emotional toll of seeing the same errors stare back at meerrors that should have been corrected months ago.

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