Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Experian XXXX XXXX XXXX XXXX  TX XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Experian I am filing this formal complaint to dispute the reporting of inaccurate, incomplete, and unverifiable information on my consumer credit file maintained by Experian. The presence of these items violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Regulation F, and other applicable consumer protection laws. This letter constitutes both a dispute and a request for deletion under the applicable statutes. The disputed information is causing substantial harm to my creditworthiness and ability to obtain fair credit, and your continued reporting of this information, after notice, constitutes willful noncompliance. 
ACCOUNTS TO BE DISPUTED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Account XXXX. : [ ending digits shown in report ] Date Opened : XX/XX/XXXX Status : Open ; XXXX late payment Credit Limit : {$300.00} Balance : {$25.00} Past Due : {$25.00} Last Payment : XX/XX/XXXX. 
XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Account No. : [ ending digits shown in report ] Date Opened : XX/XX/XXXX Status : Closed ; Charged off Original Balance : {$1600.00} Balance : {$0.00} Past Due : {$0.00} Closed Date : XX/XX/XXXX. 
XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Phone : ( XXXX ) XXXX Account XXXX. : [ ending digits shown in report ] Date Opened : XX/XX/XXXX Status : Collection Original Creditor : XXXX XXXX XXXX XXXX Original Balance : {$1000.00} Balance : {$1000.00} Past Due : {$1000.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Phone : ( XXXX ) XXXX Account XXXX. : [ ending digits shown in report ] Date Opened : XX/XX/XXXX Status : Collection Original Creditor : XXXX XXXX XXXX Original Balance : {$1200.00} Balance : {$1200.00} Past Due : {$1200.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Account No. : [ ending digits shown in report ] Date Opened : XX/XX/XXXX Status : Collection Original Creditor : XXXX XXXX Original Balance : {$490.00} Balance : {$490.00} Past Due : {$490.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Account No. : [ ending digits shown in report ] Date Opened : XX/XX/XXXX Status : Collection Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Original Balance : {$320.00} Balance : {$320.00} Past Due : {$320.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Account No. : [ ending digits shown in report ] Date Opened : XX/XX/XXXX Status : Collection Original Creditor : XXXX XXXX  Original Balance : {$1400.00} Balance : {$1400.00} Past Due : {$1400.00} ) XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : ( XXXX ) XXXX Account No. : [ ending digits shown in report ] Date Opened : XX/XX/XXXX Status : Closed ; Charged off Original Balance : {$600.00} Balance : {$0.00} Past Due : {$0.00} Closed Date : XX/XX/XXXX. 
BANKRUPTCY REPORTING ISSUE : Experian is reporting a dismissed XXXX  XXXX bankruptcy filed on XX/XX/XXXX, and dismissed on XX/XX/XXXX. Reporting a dismissed bankruptcy as a valid negative item is misleading and violates FCRA 1681e ( b ) and 1681i. This item must be permanently deleted. 
INQUIRIES TO BE DELETED : XXXX CAR SALES XXXX XX/XX/XXXX Automobile Dealers, Used. 
XXXX XXXX XX/XX/XXXX XXXX XXXX Companies. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Auto Financing Companies. 
XXXX XXXX XXXX XX/XX/XXXX Auto Financing Companies. 
XXXX XXXX XX/XX/XXXX XXXX Dealers, Used. 
XXXX XXXX XX/XX/XXXX XXXX XXXX Companies. 
XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Auto Financing Companies. 
XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Automobile Dealers, Used. 
XXXX XXXX XXXX XX/XX/XXXX Auto Financing Companies. 
XXXX XXXX XX/XX/XXXX XXXX Dealers, Used. 
LEGAL VIOLATIONS AND BASIS FOR DELETION : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation within 30 days. 
15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1692g Failure to validate debts before continued collection activity.

15 U.S.C. 1681b Lack of permissible purpose for reporting certain accounts.

15 U.S.C. 1681n and 1681o Liability for willful or negligent noncompliance. 
SUPPORTING CASE LAW : XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Unauthorized access without a permissible purpose constitutes a concrete FCRA injury ; burden on furnisher to prove permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) CRAs must follow reasonable procedures to assure maximum possible accuracy. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Continued reporting of disputed debts without marking them as disputed violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Reinvestigation must be independent and genuine. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Failure to delete unverifiable information leads to liability. 
Younger v. Experian Info. Solutions, XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) Failure to remove inaccurate information after notice violates the FCRA. 
Regulation F Prohibits false or misleading credit information. 
DESIRED OUTCOME FOR RELIEF OF MISREPRESENTATION : I request that the CFPB compel Experian to : 1. Delete the above-referenced accounts and inquiries ; 2. Delete the dismissed bankruptcy ; and 3. Provide written confirmation of deletions within 15 days. 
Sincerely, XXXX XXXX

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