Consumer complaint received 2025-11-02 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 filing this formal complaint against Experian Information Solutions , Inc. for ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. 
Despite multiple disputes and verified identity submissions over the past year, Experian continues to report and update inaccurate, unverifiable, and obsolete information on my consumer report. These actions are deliberate, harmful, and unlawful. 
XXXX XXXX : Inaccurate, Unverified, and Improperly Reported Account Experian continues to report late and missed payments for XXXX XXXX, even though these alleged delinquencies were recorded before the actual due dates. 
This account has since been sold or transferred to a third-party collector, making Experians continued reporting of the XXXX tradeline a duplicate and unlawful re-aging under 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ).

I have repeatedly requested verification, signed documentation, or proof of ownership for this alleged debt, but none has been provided, violating 15 U.S.C. 1681i ( a ) ( failure to reinvestigate ) and 1681i ( a ) ( 6 ) ( failure to provide results of reinvestigation ). 
The payment pattern displayed is erroneous and artificially suppresses my score, which constitutes willful inaccuracy under 15 U.S.C. 1681n. 

XXXX XXXXXXXX XXXX : False Late Payment ( XX/XX/XXXX ) Experian continues to display a XXXX late payment from XX/XX/XXXX, even though both XXXX and XXXX have already corrected this tradeline to Current.

Under 15 U.S.C. 1681e ( b ), Experian is required to maintain the maximum possible accuracy of consumer information. 
By refusing to mirror verified corrections from other nationwide XXXX Experian is acting in bad faith, perpetuating false data that causes measurable financial harm. 

XXXX XXXX : False Late Payments Despite Automatic Payments Experian is reporting late/missed payments for XXXX, XXXX, and XX/XX/XXXX even though these payments were made via automatic payments and XXXX XXXXXXXX confirmed they did not report any late payments for those months. 
This constitutes negligent or willful publication of false information under 1681n and 1681o.

I have disputed these inaccuracies multiple times, yet Experian has failed to correct or remove them, a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( requirement to delete or correct inaccurate information ). 

XXXX XXXX : False Late Payments and Manipulated Reporting Pattern Experians payment pattern for XXXX XXXX displays inconsistent and impossible sequences ( e.g., XXXX, XXXX, XXXX, XXXX ) that do not align with actual payment records. 
Equifax has already corrected this reporting, confirming Experians data to be false. 
Continuing to update inaccurate data after disputes constitutes willful noncompliance under 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ). 

XXXXXXXX XXXX  XXXX XXXX XXXX : Illegal Re-Aging and Pay-for-Delete Violation This account shows XXXX separate charge-off notations ( XX/XX/XXXX and XX/XX/XXXX ) an impossible and unlawful duplication that violates FCRA 605 ( a ). 
This was a pay-for-delete agreement with the original creditor, meaning the account should have been permanently deleted after payment. 
Experian has ignored repeated requests for documentation or purchase agreements confirming ownership or reporting authorization. 
Continuing to display a charged-off account that was contractually agreed to be deleted constitutes unfair and deceptive practices under 15 U.S.C. 45 ( a ) and 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The timing and structure of these updates prove that Experians system is artificially limiting my credit score growth by suppressing positive updates and reintroducing old inaccuracies. 
After positive updates to utilization and new credit limits, XXXX XXXX XXXX raised my score by over XXXX points, while Experian only reflected a XXXX increase, demonstrating score suppression and algorithmic bias. 
This deliberate obstruction is an unfair act under the Consumer Financial Protection Act, 12 U.S.C. 5531 ( a ). Pattern of Willful Noncompliance & Negligent Investigations Experian has : Ignored multiple FTC identity theft reports tied to the XXXX XXXXXXXX XXXX, Refused to block fraudulent and disputed accounts under FCRA 605B, Re-aged and reinserted deleted tradelines, Provided only automated or Metro 2 template responses with no genuine reinvestigation or documentation, violating 1681i ( a ). 
These actions have resulted in financial loss, emotional distress, and credit suppression.

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