Consumer complaint received 2025-03-24 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: AL

Complaint narrative:
CFPB Complaint Letter Experian ( Failure to Correct Disputed Information ) Consumer : XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am submitting this formal complaint against Experian for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). I have disputed several inaccurate and misleading accounts, yet Experian continues to report them without proper correction or verification.

This has directly affected my ability to obtain credit, manage personal finances, and maintain economic stability. Moreover, Experians noncompliance rises to the level of willful disregard, and I am now seeking damages of {$1000.00} per violation, as permitted under 15 U.S.C. 1681n. 

Accounts in Dispute XXXX. XXXX XXXX XXXX Status : Charged Off Balance : {$22000.00} Issue : This account has been previously disputed due to inconsistencies in the charge-off amount, final payment history, and verification process. Experian re-reported it without explaining the reinvestigation procedure.

Violation : 1681i ( a ) ( 4 ), 1681e ( b ), 1681s-2 ( b ) 2. CHILD SUPPORT ENFORCEMENT ( FLORIDA ) Status : Collection Balance : {$150000.00} Issue : This entry lacks jurisdiction. Neither the custodial nor non-custodial party resides in Florida. The State of Alabama currently administers this case. Therefore, Florida has no legal standing to report or collect this debt.

Violation : 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and potential FDCPA violations if this was furnished by a third-party collector without authority. 

3. XXXX  XXXX XXXX XXXX 
Status : Charged Off Balance : {$1000.00} Issue : Payment history and account details are inaccurate. Credit limit inconsistencies have not been addressed. The account remains verified without explanation. 

Violation : 1681i, 1681e ( b ), 1681i ( a ) ( 5 ) 4. XXXX XXXX XXXXXXXX AUTO LOAN Status : Charged Off ( Closed Account ) Balance : {$8900.00} Issue : Account appears as charged off, but Experian failed to verify whether the vehicle was surrendered or repossessed, and whether the reporting is complete and accurate. 

Violation : 1681s-2 ( b ), 1681i ( a ) ( 1 ) ( A ) XXXX. XXXX XXXX XXXX PERSONAL LOAN Status : Still reporting as Open yet charged off Balance : {$7500.00} Issue : This account is still marked open, creating conflicting reporting on its true status. It should be reported as closed or charged off, not both. This causes confusion for creditors and negatively impacts my score. 

Violation : 1681e ( b ), 1681i ( a ) ( 4 ) Legal Violations & Liability I believe Experian is in violation of the following : 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 1681i ( a ) ( 4 ) Failure to review all evidence provided 1681e ( b ) Failure to ensure maximum possible accuracy 1681s-2 ( b ) Failure of furnishers to report updates correctly 1681i ( a ) ( 5 ) ( B ) Failure to notify of reinsertion or recertification of information 1681n Willful noncompliance ( grounds for legal damages ) I am documenting each violation and will be pursuing legal action in the amount of {$1000.00} per violation.

Requested Action I respectfully request that the CFPB : Require Experian to delete or correct all five accounts listed above ; Enforce Experians obligation to disclose the full reinvestigation procedures used ; Investigate Experians repeated failure to comply with consumer protection law ; Hold Experian accountable for willful noncompliance under 1681n ; Prevent further reinsertion of unverifiable or jurisdictionally invalid information.

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