Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Experian consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of Investigation. 

This are the account that I've marked as inaccurate : XXXXCLOSED XXXX  ( Revolving ) Accounts - negative accounts - closed - Summary XXXX XXXX, Charge-off XXXX XXXX, Charged off as bad debt Experian XXXX, Unpaid balance reported as a loss by credit grantor Balance {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX ( Revolving ) Accounts - closed - Summary XXXX XXXX XXXX XXXX Pays account as agreed XXXX XXXX, XXXX Paid or paying as agreed Experian XXXX, XXXX Account paid satisfactorily Balance {$0.00} {$0.00} XXXX XXXX Agency Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Collection account Experian XXXX XXXX, XXXX Account Number XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Current Balance {$550.00} {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - summary Account Number XXXX Agency Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX XXXX Unpaid Comments Consumer disputes this account information XXXX XXXX XXXX XXXX Experian Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - summary Account Number XXXXXXXX XXXX Original Lender XXXX Unpaid Consumer disputes this account information, Medical XXXX - Experian Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary XXXX XXXX, XXXX XXXX Unpaid Consumer disputes this account information, Medical XXXX - Experian Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}

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