Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has reported a collection account on my credit report that does not belong to me. This account is related to a former apartment lease that was originally shared with my estranged husband. We have been legally separated for two years, and I vacated the residence over 18 months prior to the debt being incurred.

I went to court regarding this matter, and the judge issued a formal court order releasing me from all liability related to this debt due to the XXXX XXXX XXXX failure to remove me from the lease after a formal request was made. Despite this, XXXX XXXX XXXX continues to report the debt in my name. I sent them a formal dispute letter via certified mail on XX/XX/XXXX, which they received, and included the court order. It has been more than 30 days, and I have received no response from them. 

Additionally, I disputed this account with Experian, TransUnion, and Equifax. All three agencies have responded, stating that XXXX verified the account as belonging to me, despite the legal documentation proving otherwise. 

Experian, TransUnion, and Equifax have failed to legally fulfill their obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. 

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) and 1681s-2 ( b ), Experian, TransUnion, and Equifax are required to report only accurate information and to perform a reasonable investigation upon receiving a dispute. Their continued reporting of this account as mine constitutes willful noncompliance with federal law.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit, " CFPB v. Experian ( XXXX ), '' alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian clearly violated FCRA 1681i of the law. 

Equifax Class Action ( XXXXXXXX XXXX XXXX XXXX A federal court allowed FCRA claims against Equifax to proceed, including willful violation of 1681e ( b ) and 1681i, for failing to ensure accuracy and perform a meaningful reinvestigation of consumer disputes.

Experian, TransUnion, and Equifax have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Experian relied solely on the furnisher 's confirmation without reviewing my court documentation.

I am requesting immediate corrective action to remove the disputed account, as Experian 's inaction violates federal law and my rights as a consumer.

I have attached a supplement to my CFPB complaint provides legal precedent that supports my position that XXXX XXXX XXXX, as well as the credit bureaus ( Experian, Equifax, and Transunion ), have failed to comply with the Fair Credit Reporting Act ( FCRA ) by reporting a debt I do not owe and by failing to conduct a reasonable investigation into my dispute, even after receiving a court-issued document releasing me from liability.

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