Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I. SUMMARY OF COMPLAINT This presentment is submitted pursuant to the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Consumer Financial Protection Act. 

This is my second formal complaint to the Consumer Financial Protection Bureau against Experian. A prior CFPB complaint was filed regarding the same violations referenced herein. Experian failed to cure the issues presented in that prior complaint and has demonstrated a continued pattern of willful neglect, concealment, and obstruction. 

Experian unlawfully maintains derogatory tradelines which should lawfully read PAID AS AGREED, continues to refuse proper reinvestigation, and removed 28 unauthorized hard inquiriesa silent confession of FCRA breachyet refuses to issue a correction letter or identify the parties who accessed my consumer file.

II. MATERIAL FACTS I discovered numerous inaccuracies and false tradelines on my Experian credit file. 

These include items from XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and others. 

I filed a prior CFPB complaint, attaching dispute records and affidavits, and provided ample time for Experian to cure these issues. 

I also issued a Pre-Arbitration Notice under contract, then proceeded to file formal binding arbitration ( copy attached ).

Experian responded only by removing 28 hard inquiries, which had no permissible purposeyet refused to : Provide a list of the inquiry initiators, Update any of the inaccurate tradelines, Or issue any correction letter as required under law.

{$1000.00} for each hard inquiry removed total {$28000.00} remit check on demand to the address of record These derogatory items remain uncorrected and are harming my access to credit, causing reputational injury, and violating my constitutionally secured right to privacy and property.

III. FEDERAL VIOLATIONS A. Fair Credit Reporting Act ( FCRA ) 1681e ( b ) Failure to ensure data accuracy.

1681i ( a ) Refusal to conduct meaningful reinvestigation.

1681s-2 ( b ) Willful failure by furnishers to correct known inaccuracies.

1681g Failure to disclose identities of entities that accessed my report.

1681b ( f ) Unauthorized release of consumer file.

1681m Failure to send adverse action notices.

1681c Reporting obsolete negative items.

B. Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 8 ) Failure to report disputed accounts as disputed.

1692g ( b ) Continuing to report and collect without validation.

C. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531, 5536 Pattern of unfair, deceptive, and abusive acts.

IV. DEMAND FOR RELIEF I respectfully demand that the CFPB : Investigate and sanction Experian for its pattern of willful noncompliance.

Compel Experian to correct all disputed tradelines to reflect PAID AS AGREED, not deleted, not charged off, and not marked derogatory.

Require Experian to issue a written correction letter to me confirming its actions.

Order Experian to disclose the identities and dates of all 28 removed hard inquiries.

Refer Experian for civil penalties under the CFPA and criminal referral where applicable.

Notify Experian that prior CFPB complaint ( s ) remain unresolved and form part of the record for cumulative enforcement action.

V. SUPPORTING DOCUMENTS Current Experian Credit Report ( XX/XX/year> ) Pre-Arbitration Notice Demand for Arbitration Identity Theft Affidavit ( FTC ) Prior CFPB Complaint Confirmation Number ( attach or insert if known )

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