Consumer complaint received 2025-06-13 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: NJ

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : Subject : Formal Complaint Against Experian for Failure to Remove Inaccurate Public Record Items I am writing to file a formal complaint against Experian for willfully failing to remove inaccurate and unverifiable public record items from my credit report, despite multiple disputes submitted in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have disputed the following items listed on my Experian credit report : 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 Experian 's response to each dispute was that the company that reported the information has certified to Experian that the information is accurate. However, Experian has failed to identify which " company '' has verified this information and has not provided any documentation substantiating the verification process. 

I specifically requested detailed verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which entitles me to a description of the procedure used to determine the accuracy and completeness of the information. Experian informed me that it verified the information using XXXX XXXX XXXX. I then contacted XXXX directly, and I received a written response from them explicitly stating that the information in question does not appear on my XXXX report. This directly contradicts Experians claim. 

Therefore, Experian is in violation of the FCRA under : 15 U.S.C. 1681i ( a ) for failing to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) for failing to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681g ( a ) for failing to provide all information in the consumers file upon request.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) for failing to provide a description of the procedure used to verify the information.

The continued reporting of this inaccurate information has had a damaging effect on my creditworthiness and is causing ongoing harm, including denial of credit and increased interest rates.

I request that the CFPB compel Experian to : Immediately delete the aforementioned public record entries from my credit report ; Provide me with a complete copy of all documentation used in the verification of these accounts ; Cease all further reporting of unverifiable information in violation of the FCRA.

If Experian fails to comply, I intend to escalate this matter through legal channels, including but not limited to filing a private right of action under 15 U.S.C. 1681n and 1681o, and reporting the matter to the New Jersey Attorney Generals Office.

I have attached supporting documentation, including my dispute letters, Experians responses, and XXXX written confirmation. 

Thank you for your time and attention to this serious 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