Consumer complaint received 2025-07-22 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: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint concerning multiple violations of the Fair Credit Reporting Act ( FCRA ) committed by two national credit reporting agencies : Experian. These violations include the reporting of inaccurate, unverifiable, and outdated negative information, failure to conduct timely and complete reinvestigations of disputed data, and improper data handling practices that put my financial identity at further risk particularly in light of both agencies publicized data breaches.

Summary of Alleged Violations 1. Inaccurate and Unverifiable Reporting Both Experian and XXXX have listed numerous accounts on my credit report that : Contain inconsistent or conflicting balances and dates across bureaus Report charge-offs, late payments, and collections that are either inaccurate, outdated, or duplicated Remain derogatory even after being paid or settled Have been re-aged beyond the 7-year reporting limitation under 15 U.S.C. 1681c Despite my formal disputes submitted to each bureau, they have failed to provide supporting documentation verifying these entries and have not corrected or removed the inaccurate items as required under 1681i ( a ).

2. Failure to Ensure Maximum Accuracy Under 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of all reported information. Instead, I found : Double reporting of the same debt by both original creditors and third-party collectors Personal information errors ( e.g., unknown addresses, name variations ) Outdated negative items that should have been removed 3. Violation of My Right to Timely Reinvestigation XXXX  and Experian failed to : Complete thorough reinvestigations within the 30-day period mandated by 1681i Provide written verification of disputed accounts Disclose the sources of information used to verify inaccurate accounts, in violation of 1681g 4. Data Breach & Mishandling of Consumer Information I am deeply concerned about the integrity of my credit file following the : XXXX  breach ( XXXX ) impacting over 147 million consumers Experian breach ( XXXX ) exposing consumer and business credit data Both companies failed to safeguard my sensitive personal and financial information, and I believe this failure has contributed to the ongoing mishandling of my credit data, including potential unauthorized entries.

Desired Resolution I respectfully request the CFPBs assistance in : Investigating XXXX  and Experian for the above-listed violations Requiring the removal of all inaccurate, unverifiable, or outdated negative entries from my credit files Requiring proof of data verification and account
authorization Monitoring both agencies compliance with consumer data security and FCRA obligations I am enclosing supporting documentation, including highlighted credit reports and prior dispute correspondence, for your review.

FTC Report Number : XXXX

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