Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
[ IDENTIFYING DOCUMENTS, FTC REPORT, PROOF OF BREACHES, AND DULL DISPUTE LETTER ATTACHED ] Experian has demonstrated a severe and persistent failure to maintain an accurate and verifiable credit file for me, directly violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite repeated disputes, Experian continues to report information that is factually incorrect, inconsistent with other bureaus, or demonstrably unverifiable. It appears Experian is treating each dispute not as an opportunity to correct fundamental errors, but as a chance to simply update harmful information, perpetuating inaccuracies that severely impact my financial standing. This approach is unacceptable. 

Specifically : XXXX XXXX XXXX Account : This account was previously deleted by Experian in response to a valid identity theft dispute ( FTC ID Report # XXXX and # XXXX ), only to be reinserted unlawfully. This account originated from unauthorized access after a domestic partnership split, where I was merely listed as a co-signer ; it is my ex-partner 's responsibility. Experian continues to report late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Your " Payment Status '' states " Current, was past due 30 days four times, '' which directly contradicts your own payment history showing six 30-day lates. Furthermore, your " Date Last Active '' ( XX/XX/XXXX ) is significantly older than other bureaus, proving inconsistent data. This reinsertion and continued inaccurate reporting of an account that stemmed from unauthorized access, despite documented identity theft, is a clear violation of FCRA 605B, 611 ( a ) ( 5 ) ( B ), and 1681e ( b ). 
XXXX XXXX Account : This long-standing account is inaccurately reflecting payment history. Experian reports 30-day late payments in XX/XX/XXXX and XX/XX/XXXX. However, XXXX  reports these same late payments for XX/XX/XXXX and XX/XX/XXXX. A single delinquency can not exist across multiple, contradictory timelines. This glaring inconsistency between bureaus renders the data unverifiable and violates FCRA 1681e ( b ). Your " Date of Last Payment '' ( XX/XX/XXXX ) also differs from other bureaus, further proving data inconsistency. 
XXXX XXXX  / XXXX XXXX Account : This account is burdened with widespread inconsistencies that render its entire reporting unreliable. Experian reports numerous 30-day lates ( including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and 60-day lates ( including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Your report indicates " Current, was past due 60 days, '' which is vague and fails to reflect the full, inconsistent delinquency history. Your " Date Last Active '' ( XX/XX/XXXX ) and " Date of Last Payment '' ( XX/XX/XXXX ) are materially conflicting. These profound discrepancies across bureaus, and within your own reporting, demonstrate that the furnisher 's data can not be verified, violating FCRA 1681e ( b ) and 1681i.

Experian 's repeated failure to conduct reasonable investigations and its consistent reporting of demonstrably inaccurate, contradictory, and unverifiable information indicates a pattern of negligent and willful noncompliance with the FCRA. This ongoing harm directly impacts my access to credit on fair terms. 

Consumer Violations Committed by Experian : Based on the issues detailed above, Experian has committed the following violations of the Fair Credit Reporting Act ( FCRA ) : -FCRA 1681e ( b ) ( Maximum Possible Accuracy ) : Repeated failure to ensure that my credit file is reported with maximum possible accuracy, as evidenced by conflicting late payment dates for XXXX, contradictory account statuses and dates for XXXX and XXXX XXXX and widespread data inconsistencies. 
-FCRA 1681i ( Reasonable Reinvestigation ) : Failure to conduct a reasonable and independent reinvestigation of disputed information, instead blindly deferring to furnisher data even when it is demonstrably flawed or contradicts other bureau reporting.

-FCRA 605B ( Blocking of Identity Theft Information ) : Failure to block or permanently delete identity theft-related information ( XXXX account ) within the mandated timeframe after receiving proper documentation, or its subsequent reinsertion. 
-FCRA 611 ( a ) ( 5 ) ( B ) ( Reinsertion Notice ) : Unlawful reinsertion of previously deleted information ( XXXX account ) without providing the required written certification of accuracy and notice. 
-FCRA 616 & 617 ( Willful and Negligent Noncompliance ) : Experian 's pattern of reinserting disputed fraudulent information, failing to ensure maximum accuracy, and repeatedly providing demonstrably flawed data demonstrates both negligent and willful noncompliance, making the company liable for actual and statutory damages.

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