Consumer complaint received 2025-02-02 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: LA

Complaint narrative:
I am filing a complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. Despite multiple disputes, Experian continues to report inaccurate, incomplete, and unverifiable information on my credit report. They have failed to conduct a proper reinvestigation as required under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and have instead verified false information without any proof. 

XXXX failure to follow the law has caused me financial harm. I have been denied credit and financial opportunities due to accounts and inquiries that should have been removed. My credit report contains accounts with conflicting balances, incorrect dates, duplicate reporting, and illegally re-aged charge-offs. Some accounts lack payment history, making them unverifiable under XXXX XXXX compliance standards. Experian is also reporting hard inquiries I did not authorize, violating FCRA 604 ( a ) ( XXXX ). 

The following accounts are being reported inaccurately and fail XXXX XXXX compliance : XXXX ( Account # XXXX ) Reporting a charge-off with an active balance and an incomplete payment history. 
XXXX XXXX ( Account # XXXX ) Charge-off balance and payment history are inconsistent across bureaus. 
XXXX XXXX Bank XXXX Account # XXXX ) Date of last payment and last active do not match across bureaus, and payment history is inconsistent. 
XXXX ( Account # XXXX ) XXXX account with conflicting balance and last activity data across bureaus. 
XXXX ( Account # XXXX ) High credit limit and open date do not match across bureaus. 
XXXX XXXX ( Account # XXXX ) Reported as both a charge-off and a collection with no payment history. Date of last activity is inconsistent by two years. 
XXXX. of XXXX ( Account # XXXX ) Loan date and payment history do not match across bureaus. 
XXXX ( Account # XXXX ) Missing payment history, and date of last active is inconsistent across bureaus. 
XXXX XXXX ( Account # XXXX ) XXXX account is unverifiable and lacks full payment history. 
Comenity/Zales ( Account # XXXX ) Account details and payment history are inconsistent across bureaus. 
XXXX XXXX ( Account # XXXX ) Date of last active and last payment do not match across bureaus. 
Neighbors FCU ( Account # XXXX ) Account is being reported twice, which is illegal duplicate reporting. 
XXXX ( Account # XXXX ) Account is being illegally re-aged to make the charge-off appear more recent. 
Additionally, the following hard inquiries were made without my authorization and should be removed immediately : XXXX XXXX XX/XX/XXXX XXXX Union XXXX XXXX XX/XX/XXXX XXXX LoanMart/CCB XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached a copy of my credit report, where I have highlighted all the inaccurate, incomplete, and unverifiable information. These errors have negatively impacted my creditworthiness, and Experian has ignored its legal obligation to maintain accurate and up-to-date information. 

I demand that Experian conduct a real reinvestigation and remove all accounts and inquiries that do not meet FCRA and XXXX XXXX standards. If an account or inquiry can not be verified with full supporting documentation, it must be deleted under FCRA XXXX ( a ) ( XXXX ). XXXX refusal to comply with the law is unacceptable, and I request that the CFPB take immediate enforcement action against them.

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