Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this final complaint against Experian Information Solutions , Inc. after more than six months of repeated disputes, reinvestigation requests, and prior CFPB complaints regarding the same inaccurate and unverifiable accounts and inquiries on my Experian credit report. 
Despite these repeated disputes well beyond the 30-day reinvestigation window required by FCRA 611 ( a ), Experian has never provided a single piece of written documentation proving the accuracy of the items listed below. Instead, Experian repeatedly issues generic, boilerplate responses stating that items are verified, suggests identity theft, or implies I am working with a third partynone of which addresses the actual legal requirements for verification. These responses are evasive and do not constitute a reasonable reinvestigation. 
Most concerning, Experian recently labeled this matter as potential fraud ( XX/XX/XXXX ) without explanation or evidence. This raises a serious question : Has my consumer data been compromised due to Experians well-documented data breaches and security failures? If so, Experian has an obligation to explain how my data was impacted. If not, then the potential fraud designation is a deflection tactic being used to avoid correcting known inaccuracies. 
Accounts Experian Continues to Report Without Written Validation XXXX XXXX Late payment, {$0.00} balance Reporting a {$0.00} balance late payment without payment history or posting records is inaccurate and unverifiable. 
XXXX XXXX  Late payment, {$280000.00} No payment history, servicing ledger, or delinquency calculation has ever been provided. 
XXXX Charge-off, {$570.00} No charge-off notice, no final statement, no balance calculation, and no payment history. 
XXXX XXXX Charge-off, {$0.00} balance A {$0.00} balance charge-off is internally inconsistent and violates Metro 2 accuracy requirements XXXX 
XXXX XXXX XXXX Charge-off, {$0.00} balance Same violation : derogatory status with no balance and no supporting documentation. 
XXXX XXXX XXXX Inquiry XX/XX/XXXX I did not authorize this inquiry. Experian has failed to provide proof of permissible purpose as required under FCRA 604 ( a ) ( no application, no authorization, no requester certification ). 
XXXX XXXX Inquiry XX/XX/XXXX I did not authorize this inquiry. Again, no proof of permissible purpose has been produced. 

Experians conduct violates, at minimum : FCRA 607 ( b ) Failure to maintain maximum possible accuracy FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation FCRA 604 ( a ) Reporting inquiries without documented permissible purpose FCRA 616617 Willful and negligent noncompliance Metro 2 Reporting Standards Inconsistent status/balance coding, unverifiable derogatories, and failure to correct known inaccuracies Simply stating that a furnisher verified informationwithout producing underlying documents such as payment histories, charge-off notices, account statements, ledgers, or authorization recordsis not verification under federal law. 

I have repeatedly requested written verification, including : ( repeatedly ) Final account statements Charge-off notices and dates Complete payment histories and balance calculations For inquiries, documented proof of permissible purpose ( application or authorization ) None of these documents have been provided.

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