Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company : Experian Information Solutions , Inc . 
Product : Credit reporting Issue : Failure to properly investigate prior CFPB complaint / Continued inaccurate reporting Complaint Narrative I am submitting this complaint regarding Experians continued failure to properly investigate and resolve inaccurate reporting associated with a Capital One account on my credit file. 

This complaint follows prior CFPB complaint # XXXX, submitted on XX/XX/year>. In its response dated XX/XX/year>, Experian did not verify the account, did not provide supporting documentation, and did not delete the account. Instead, Experian issued a generic response suggesting that I may have been a victim of fraud and directed me toward fraud and identity theft resources. 

This response was legally insufficient and did not meet the requirements of a reasonable reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

To be absolutely clear, I have not alleged identity theft, have not filed an FTC identity theft affidavit, and have not claimed fraud in connection with this account. My dispute concerns the accuracy and legal verifiability of the reporting. Experians decision to redirect this matter into a fraud or identity theft framework appears to be a mischaracterization of my dispute and functions as a stall tactic rather than a lawful reinvestigation. 

Directing a consumer to file an identity theft or fraud report when no theft has been alleged improperly shifts the burden of investigation away from the consumer reporting agency and onto the consumer. The Fair Credit Reporting Act requires the credit bureau to conduct a reasonable reinvestigation when inaccuracies are disputed. It does not permit a credit bureau to avoid this obligation by reframing an accuracy dispute as a potential fraud claim. 

If Experian genuinely believes fraud is possible, continued reporting of the account without deletion or proper verification is reckless and inconsistent with the FCRAs accuracy requirements under 15 U.S.C. 1681e ( b ). A consumer reporting agency can not simultaneously question the validity of an account while continuing to report it as verified and accurate. 

Account at Issue XXXX XXXX XXXX  ( XXXX ), XXXX. 
Account Number : XXXX Reported Balance : {$1500.00} Status : Charge-off / Collection Charge-Off This account continues to report inconsistently across consumer reporting agencies. Material discrepancies exist between Experian and other credit bureaus, including conflicting balance data, differing payment histories, and inconsistent reporting dates. These contradictions further demonstrate that the account is not being reported with maximum possible accuracy. 

Additionally, Experian has previously reported misleading remarks indicating that the dispute was resolved, despite the dispute remaining unresolved and no verification documentation ever being produced. 

Pattern of Inadequate Investigation I have made repeated good-faith efforts to resolve this matter through proper regulatory channels. Despite being placed on notice through prior CFPB filings, Experian has : Failed to provide documentation supporting verification Failed to delete unverifiable information Issued non-substantive or generic responses Redirected responsibility back to the consumer Mischaracterized an accuracy dispute as potential fraud This pattern raises serious concerns regarding compliance with the reinvestigation requirements of the Fair Credit Reporting Act. 

Good Faith Consumer Statement I am submitting this complaint on my own behalf as an individual consumer. I am not working with any attorney, credit repair organization, or third-party representative. This filing is being made personally to ensure an accurate and transparent regulatory record and to avoid any unnecessary delay or procedural stall tactics. 

I have made multiple good-faith attempts to resolve this matter directly and through the appropriate regulatory process.This complaint is submitted to obtain a final and meaningful resolution and to ensure a clear regulatory record. If this matter can not be resolved through the CFPB process, I reserve all rights available to me under federal and state consumer protection laws.

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