Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate, inconsistent, and misleading entries on my credit file. These inaccuracies materially distort my credit history and include reporting patterns and data structures that are contradictory, impossible, or inconsistent with actual account behavior. These errors demonstrate Experians failure to comply with the Fair Credit Reporting Act ( FCRA ). 

I submitted a formal dispute requesting a reinvestigation of XXXX accounts appearing on my credit report pursuant to 15 U.S.C. 1681i ( a ). The inaccuracies were clear and readily identifiable directly from the face of my report. Despite this, Experian completed a reinvestigation that failed to correct the errors. Their inability to detect or remove such obvious inaccuracies confirms that Experian did not conduct a reasonable reinvestigation as mandated by law. 

Following this inadequate reinvestigation, I exercised my statutory right to request the method of verification Experian used to verify each disputed account. Rather than providing the legally required description of its verification procedures, Experian responded by updating the accounts with vague new information while leaving the same inaccuracies intact. Updating inaccurate data is not verification and does not satisfy Experians obligations under the FCRA.

Experians conduct violates the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) Failure to maintain and follow reasonable procedures to assure maximum possible accuracy. Multiple unresolved inaccuracies after notice and reinvestigation clearly violate this requirement.

15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation. A reasonable reinvestigation would have corrected the errors I identified.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide the required method of verification. The statute obligates Experian to disclose the procedure used to verify each disputed item. They refused to comply. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Requirement to delete information that is inaccurate or can not be verified. Experians continued reporting of unverified items violates this provision. 

15 U.S.C. 1681s-2 ( a ) Furnishers may not report information they know or should know is inaccurate. Experians continued publication of disputed errors demonstrates a breakdown in accuracy assurance.

15 U.S.C. 1681c ( a ) and 1681c ( f ) Prohibition on re-aging or improperly extending the reporting period of adverse information. Several of the inaccuracies in my file reflect reporting patterns inconsistent with the FCRAs time-limitation requirements. 

15 U.S.C. 1681c-2 ( FCRA 605B ) I received written notice that my personal information was compromised in a data breach, and I identified unrecognized changes and inaccuracies appearing thereafter. I have filed an FTC identity theft/data breach report documenting these issues. Experian is required under 605B to block and remove information that is inaccurate, unauthorized, or resulting from misuse of my personal data.

Accounts Requested for Deletion The following accounts contain inaccuracies that Experian failed to address during reinvestigation and refused to verify : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items remain uncorrected, unverified, and in direct violation of the FCRA requirements described above. 

Anticipated Experian Rebuttals and Why They Fail Experian commonly claims that the furnisher verified the information. This response is legally insufficient. The FCRA requires a reasonable reinvestigationnot blind acceptance of an automated furnisher response. The persistence of obvious inaccuracies proves the reinvestigation was not reasonable.

Experian may also attempt to assert that the information was updated or confirmed, but an update that continues to display inaccuracies is not a correction and violates 1681e ( b ), 1681i ( a ) ( 1 ), and 1681i ( a ) ( 5 ).

Finally, Experian can not legally avoid providing its method of verification. Under 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian must disclose the procedure used to verify disputed items. Failure to provide this information, combined with continued reporting of unverified inaccuracies, requires deletion as the only lawful remedy. 

Requested Resolution Due to Experians failure to verify, correct, or reasonably reinvestigate the disputed accounts, and due to their refusal to provide the legally required verification procedures, I request that the CFPB require Experian to : Delete all inaccurate, unverifiable, or unsubstantiated accounts listed above. 

Block and remove information related to unauthorized or inaccurate reporting associated with the data breach pursuant to FCRA 605B.

Provide complete documentation of the verification method used as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

Experian has been notified of these issues and failed to correct them. Under the FCRA, deletion is now the only lawful and compliant solution.

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