Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
I am submitting this complaint because Experian Information Solutions , Inc. continues to report inaccurate, inconsistent, and unverifiable information on my consumer credit report despite repeated disputes, supporting documentation, and prior CFPB complaints that placed Experian and the associated data furnishers on actual notice of these defects. 

Over an extended period, I have disputed multiple accounts, late payment histories, charge-off indicators, collection notations, inquiries, and personal identifying information that are being reported inaccurately and inconsistently across ExperianXXXX XXXX XXXX XXXX These disputes were not generic. They were detailed, documented, and specific, yet Experian continues to report the same defective data without producing competent evidence to establish accuracy. 

Numerous accounts on my credit report are reported with internal contradictions that can not coexist factually. Several accounts are reported as closed, paid, settled, or with a XXXX balance while simultaneously displaying 30-, 60-, 90-, and in some cases 120-day late payment notations within the payment history grids. Other accounts are reported as open and current while reflecting delinquency codes without any sustained past-due balance or logical delinquency progression. Across bureaus, the same accounts are reported with materially different account statuses, balances, high credit amounts, credit limits, payment counts, last activity dates, and delinquency timelines. These discrepancies demonstrate that the information has not been verified using contemporaneous primary source records. 

Despite multiple disputes and prior CFPB complaints, neither Experian nor the furnishers have produced billing statements, valid billing cycles, contractual due dates, payment posting records, itemized payment ledgers, charge-off documentation, settlement records, or any primary source documentation that would substantiate the alleged late payments or derogatory statuses being reported. Instead, Experian continues to rely on automated verification processes or furnisher confirmations, which do not satisfy the Fair Credit Reporting Acts requirement for a reasonable reinvestigation after notice of specific inaccuracies. 

For revolving and charge accounts, I am also asserting billing errors under the Fair Credit Billing Act and Regulation Z. No furnisher has demonstrated that periodic billing statements were properly generated and delivered at least twenty-one days before any due date, nor that alleged late payments were posted accurately and timely within the creditors system of record. Reporting late payments without substantiating the billing cycle, due date, and posting timeline constitutes an unlawful billing error and renders the reported late payments inaccurate and unverifiable. 

My credit report also reflects inquiries that I did not authorize and did not initiate. No signed application, written consent, or other documentation establishing a permissible purpose has been provided. Absent proof that I authorized these inquiries or that they meet a permissible purpose under federal law, their continued reporting violates the Fair Credit Reporting Act. 

In addition, Experian continues to report incorrect personal identifying information, including addresses and employer information that are not associated with me. I have repeatedly provided my correct identifying information and supporting documentation. Retaining unverified or inaccurate personal data violates Experians duty to maintain maximum possible accuracy and increases the risk of misattribution, identity confusion, and consumer harm. 

These issues have been raised repeatedly through direct disputes and prior CFPB complaints, yet the same inaccurate information remains on my credit report. Continued reporting after notice constitutes negligent and potentially willful noncompliance with the Fair Credit Reporting Act. The ongoing publication of this inaccurate and unverifiable information has caused concrete harm, including credit denials, less favorable lending terms, and ongoing damage to my creditworthiness.

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