Consumer complaint received 2025-01-09 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:
I am writing to formally file a complaint against Experian for failing to adequately investigate and resolve longstanding disputes regarding inaccuracies on my credit report. My ongoing attempts to correct these errors over the years have been systematically ignored or dismissed by Experian, as evidenced by their continued reporting of inaccurate and derogatory information. 

Key Concerns and Disputed Accounts XXXX. XXXX XXXX ( Account Number : XXXX and XXXX ) Issue : Both accounts are listed as " Charged Off '' with balances of {$800.00} and {$430.00}, respectively, and include comments stating that " Account previously in dispute investigation complete. '' However, Experian failed to provide any documentation verifying the legitimacy of these accounts. Additionally, the last payment dates and past-due amounts are inconsistent across multiple reports. 

Violation : Experian 's failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ) 611 and its duty to ensure maximum possible accuracy under 1681e ( b ). 

XXXX. XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) Issue : The account is listed as " Charged Off '' with a past-due balance of {$1800.00} and contains the comment, " Completed investigation of FCRA dispute consumer disagrees. '' Despite my dispute claiming unauthorized services on this account, Experian has failed to validate the debt or address the unauthorized nature of the charges. 

Violation : This negligence breaches FCRA 's requirement for meaningful investigations, particularly when disputes involve claims of fraud or unauthorized activity. 

XXXX. Child Support Enforcement ( Account Number : XXXX ) Issue : This account shows a balance of {$19000.00} with a past-due amount of {$18000.00}. The reporting fails to provide any supporting payment history or documentation substantiating this debt, despite my repeated disputes. 

Violation : Experian 's lack of verification and failure to address the inaccuracy of this debt 's reporting violates FCRA and perpetuates inaccurate consumer information. 

XXXX. XXXX XXXX ( Account Number : XXXX ) Issue : This account is marked as " Charged Off '' with a past-due balance of {$480.00}. Comments indicate, " Account previously in dispute investigation complete. '' However, Experian failed to verify or substantiate the validity of this account, despite my assertions that it resulted from unauthorized activity. 
Violation : Experian 's actions contravene their duty to conduct thorough investigations and ensure accurate reporting. 

XXXX. False XXXX XXXX XXXX Issue : Experian continues to list an inaccurate address XXXX XXXX XXXX, XXXX, XXXX I have repeatedly requested to be removed. This address is not associated with my financial history or current residence. 

Violation : Retaining inaccurate personal information violates FCRA 's mandate for maintaining accurate consumer records.

Connection to the CFPBs Current Lawsuit Against Experian The CFPBs lawsuit against Experian for sham investigations of credit report errors directly mirrors my experience. Experian has systematically dismissed or mishandled my disputes, relying on data furnishers without conducting independent verifications, as required under federal law. This negligent practice not only perpetuates inaccuracies on my credit report but also causes severe harm to my financial standing and reputation as a XXXX veteran.

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