Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Read this complaint carefully. At this point, I am prepared to pursue legal action. I have been disputing inaccurate, unverifiable, and inconsistent information on my Experian credit report for months, and Experian has failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ). Instead of addressing the substance of my disputes, Experian has engaged in stall tactics, including form responses, generic explanations, repeated requests for documentation I have already provided multiple times, and boilerplate language stating items were verified without producing a single piece of evidence. 
This conduct is especially concerning given Experians history of data breaches, regulatory scrutiny, and consumer lawsuits for failing to properly investigate disputes and continuing to report information they knowor should knowis inaccurate. I am asking directly : Has my file been affected by Experians data integrity or security failures? Because the volume and severity of discrepancies on my report strongly suggest systemic problems, not isolated errors. 
Experian is reporting late payments, collections, charge-offs, and inquiries that do not match across credit bureaus, contain internal inconsistencies, or lack any supporting documentation. In fact, other bureaus have removed several of these items, recognizing the violations, while Experian continues to publish them without proof. That alone violates the maximum possible accuracy requirement under FCRA 1681e ( b ). 
The disputed items include, but are not limited to : Late Payments : 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 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 XXXX ( multiple dates ) None of these categories have been properly validated. 
What validation actually requiresand what Experian has failed to produceincludes : For collections and charge-offs : proof of ownership or authority to report, chain of assignment, itemized balances, date of first delinquency, and proof that legally required written notice was sent. 
For late payments : complete payment histories and documentation showing accurate reporting under XXXX XXXX standards ( correct dates, amounts, and status codes ). 
For inquiries : documentation establishing permissible purpose. 
Asking me for more documentation after I have already submitted it multiple times is not a reinvestigationit is a delay tactic. Simply stating that information was verified without evidence does not satisfy the FCRA.

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