Consumer complaint received 2025-05-17 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:
Third CFPB Complaint Against Experian for Willful Noncompliance and Continued Reporting of Inaccurate Information I am filing my third formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian for their continued willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite properly submitting multiple disputes and supporting documentation, Experian continues to report inaccurate, unverified, and incomplete information related to three XXXX accounts on my credit report. 

Ongoing Issues and Dispute History : I am writing to provide a clear explanation of the ongoing issues with Experian 's reporting of three XXXX accounts on my credit report : First Dispute : Sent via certified mail and received by Experian on XXXX XXXX 2025, as confirmed by the signed delivery receipt.

Account was marked as " dispute opened '' on XXXX XXXX 2025.

On XXXX XXXX  2025, the report was updated with a status of " remains, '' meaning no corrections were made.

Despite submitting supporting documentation, the report continued to reflect inaccurate, incorrect, and unverified information.

Second Dispute : Sent with all relevant details and supporting documentation via certified mail and received by Experian on XXXX XXXX  2025.

Dispute marked as opened on XXXX XXXX, 2025 and listed as " completed '' and " updated '' on XXXX XXXX 2025.

Once again, no corrections were made, and the inaccurate, unverifiable, and incomplete reporting remained.

Because Experian failed to correct the reporting after two properly submitted disputes, I filed my first CFPB complaint on XXXX XXXX, 2025, detailing Experians failure to investigate and act in compliance with federal law.

In response, Experian claimed on XXXX XXXX 2025, that the matter was still being reviewedcontradicting their own report update from XX/XX/XXXX, which stated the dispute had already been completed. 

Suspicious Dispute Activity and Continued Misreporting : Then, on XXXX XXXX 2025, Experian placed the accounts into dispute againwithout any request from me to initiate a third dispute. By XXXX XXXX 2025, this unauthorized dispute was marked as " verified by creditor, '' still with no corrections made to the false and unverifiable information.

This action appears to be a retroactive attempt by Experian to cover up their failure to properly investigate the initial disputespossibly triggered by my CFPB complaint.

Willful Noncompliance and Ongoing Harm : All of my disputesclearly submitted with full supporting documentationhave been ignored, mishandled, or closed without proper investigation. Experian continues to knowingly report false, inaccurate, incomplete, and unverified information on my credit file.

This complaint represents my third CFPB filing for the same unresolved issue. The pattern of behavior by Experian clearly shows willful noncompliance with their duties under the Fair Credit Reporting Act, a lack of transparency, and a disregard for my consumer rights.

I respectfully request the CFPB to take firm action to hold Experian accountable and to compel them to immediately removal of the three XXXX accounts from my credit report. 

You may review all prior CFPB complaints I have filed to see the full timeline of events and supporting evidence Ive submitted, which further supports my claim of Experians ongoing wrongful conduct and failure to comply with federal law.

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