Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Failure to Properly Investigate and Verify All Disputed Items on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Experian for their failure to properly investigate and verify several negative items on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Despite submitting previous disputes, Experian failed to provide supporting documentation, a detailed investigation summary, or evidence validating the accuracy of the disputed accounts.

The accounts in question remain on my credit report without proper verification or correction, which constitutes a violation of the FCRA.

Disputed Items Revolving Credit Accounts XXXX XXXX XXXX ( Account Number : XXXX ) {$3300.00} past due ; closed by the creditor. 

No proof of account closure or past-due balance was provided. 



XXXX XXXX XXXX XXXX ( Account Number : XXXX ) {$13000.00} past due ; unresolved prior dispute. 

No documentation validating this accounts accuracy was provided. 



XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) {$590.00} past due ; closed with late payments. 

Verification details were not provided to support this entry. 



XXXX. XXXX XXXX XXXX Account Number : XXXX ) Closed account with remarks : " Transferred to another lender. '' No documentation was provided to verify the transfer or accuracy. 



XXXX. XXXX XXXX ( Account Number : XXXX ) Closed due to inactivity. 

No verification of closure details was provided. 



XXXX XXXX ( Account Number : XXXX ) Closed account. 

No proof of account accuracy or closure details was provided. 







Installment Credit Accounts XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) {$5100.00} past due ; closed account with late payments. 

No documentation validating the accuracy of the balance or payment history was provided. 



XXXX XXXX XXXX XXXX ( Account Number : XXXX ) {$14000.00} past due ; closed account with multiple 90+ day late payments.

No verification of payment history or past-due balance was provided.

Real Estate Accounts XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) {$1600.00} past due with 13 late payments.

No proof of accurate late payment reporting or past-due balance was provided. 







Collection Accounts XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) {$980.00} past due ; closed collection account. 

No documentation proving ownership of the debt or validation from the original creditor was provided. 



XXXX XXXX XXXX XXXX ( Account Number : XXXX ) {$120.00} past due ; closed collection account. 

No supporting records validating the debt were provided. 



XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) {$360.00} past due ; closed collection account. 

No documentation verifying the debts accuracy was provided. 



XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) {$440.00} past due ; closed collection account. 

No records validating this debt were provided. 







FCRA Violations 1. Failure to Investigate Disputes ( 15 U.S.C. 1681i ) : Experian did not conduct a reasonable investigation into my disputes.

2. Failure to Provide Validation ( 15 U.S.C. 1681g ) : Experian did not provide original agreements, payment histories, or validation of disputed debts.

3. Failure to Respond ( 15 U.S.C. 1681m ) : I did not receive any written or electronic responses to my prior disputes, nor a summary of the verification process.

Requested Actions 1. Conduct a thorough reinvestigation of all disputed items.

2. Require Experian to provide documentation validating the accuracy of each account.

3. Remove any items that can not be verified or corrected.

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