Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint to document Experian Information Solutions , Inc.s continued and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., in relation to both ( 1 ) the improper reinvestigation of disputed accounts and ( 2 ) the continued reporting of demonstrably inaccurate personal information. 

1. Failure to Verify DEPTXXXXXXXX Accounts Violation of 15 U.S.C. 1681i ( a ) I previously submitted a dispute to Experian regarding one or more accounts listed under DEPTXXXX, pursuant to 15 U.S.C. 1681i ( a ), which requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Experian failed to provide any evidence or documentation substantiating the accuracy of the accounts and continues to report them despite a lack of verified response. 

Further, I filed a prior CFPB complaint directly against DEPT/XXXX, and the furnisher failed to respond to the Bureaus inquiry. Given this non-response, I am challenging the legal validity of Experians claim that the account was verified. 

If Experian relied on a third-party data aggregator or automated source to conduct the reinvestigation, such action constitutes a violation of 15 U.S.C. 1681b, as I did not authorize any such entity to access or share my personal credit information. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified, the consumer reporting agency must promptly delete that item of information from the file.

Experian has not done so, and thus remains in material violation of federal law.

2. Continued Reporting of Inaccurate Personal Identifiers Violation of 15 U.S.C. 1681e ( b ) My Experian credit report also reflects inaccurate and unauthorized personal information : A phone number : ( XXXX ) XXXX This number belongs to XXXX XXXX, a known individual, but it has never belonged to me, nor have I used it in any financial, legal, or personal capacity relevant to credit reporting. 

An address : XXXX XXXX XXXX I have never lived at this address, never used it for billing, and have no connection to it. 

This personal information has been successfully removed by both XXXX and XXXX  as a result of my disputes. Yet Experian continues to report it, in clear violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they furnish. 

Failure to remove such erroneous identifiers after proper dispute constitutes both willful and negligent noncompliance as outlined in 15 U.S.C. 1681n and 1681o.

3. Preemptive Response to Anticipated Defenses a. If Experian asserts verification via the furnisher ( DEPTXXXX  ) : The furnisher failed to respond to a government regulatory agency ( CFPB ). Therefore, Experian can not credibly claim verification occurred via proper channels. Under FCRA XXXX ( a ) ( XXXX ), unverified information must be deletednot presumed accurate. 

b. If Experian relies on third-party verification : I have not granted authorization or permissible purpose for any third-party entity to access or verify my credit data. XXXX on unauthorized data aggregators is a breach of 15 U.S.C. 1681b, and any such practice constitutes an impermissible use of my consumer file.

c. If Experian claims the inaccurate personal data was submitted by prior creditors : Experian is not absolved of liability under the FCRA simply because a data furnisher submitted incorrect information. Experian is legally obligated under 1681e ( b ) to independently maintain maximum possible accuracy and to investigate and remove inaccurate data after proper dispute. Other credit reporting agencies have done soExperians continued reporting constitutes noncompliance.

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