Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint against Experian, a nationwide consumer reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report ; 15 U.S.C. 1681s-2 Furnishers ' duty to investigate and correct information after notice of dispute ; 15 U.S.C. 1681i ( 5 ) Improper reinsertion of previously deleted information without certification and notice ; 15 U.S.C. 1681c ( c ) Retention and use of obsolete information ; 15 U.S.C. 1681i ( 7 ) Failure to provide a description of the reinvestigation procedure ; 15 U.S.C. 1681c-2 ( a ) Blocking of information resulting from identity theft ; 12 CFR Part 1026 ( Regulation Z ) Violations of the Truth in Lending Act related to the accuracy and presentation of credit information. 

Despite my repeated disputes and submissions of supporting documentation, Experian has failed to properly investigate or correct the following inaccuracies : XXXX. XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Experian has reported inaccurate information related to this account. 

Under 15 U.S.C. 1681e ( b ), this constitutes a failure to maintain accurate credit file data. 

I request that Experian correct and update the inaccurate information immediately. 

XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This account was previously removed following a dispute, yet Experian has reinserted it into my credit report without proper certification and without notifying me within five business days, as required by 15 U.S.C. 1681i ( 5 ).

Additionally, Experian failed to provide a description of the reinvestigation procedure in violation of 15 U.S.C. 1681i ( 7 ).

I am also asserting my rights under 15 U.S.C. 1681c-2 ( a ) to have this account permanently blocked due to its connection with identity theft.

I request the immediate and permanent removal of this account from my credit report.

Experians failure to conduct a meaningful investigation, reliance on automated or perfunctory verification systems, and failure to comply with reinvestigation and notice procedures are systemic violations of the FCRA. These actions have resulted in continued damage to my credit reputation and denial of credit opportunities. 

I respectfully request that the CFPB investigate these violations and compel Experian to : Permanently remove or correct the aforementioned accounts ; Provide a full explanation of their dispute handling and reinvestigation procedures ; Ensure compliance with all relevant sections of the FCRA and Regulation Z. 

Thank you for your time and assistance in addressing this matter.

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