Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to the failure to accurately report and investigate a disputed account associated with XXXX XXXX XXXX ( CCS ). 

Despite this requirement, my Experian credit report dated XX/XX/scrub> 2025, shows that XXXX updated the balance on the account in XX/XX/scrub> 2025 without initially flagging it as disputed. This omission misleads third parties, violates my consumer rights, and causes financial and reputational harm. 
The failure to immediately and consistently report the disputed status of the debt violates : - FCRA 1681s-2 ( a ) ( 3 ) : Duty to report disputes when known to the furnisher ; - FCRA 1681e ( b ) : Duty of credit reporting agencies to ensure maximum possible accuracy ; - FDCPA 1692e ( 8 ) : Prohibition on reporting false or misleading information, including omission of known disputes.

Even though the account is now marked as 'Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) ', this flag does not absolve Experian of liability or correct the damage caused by its failure to ensure accurate and complete reporting at the time of the dispute. 

Experian continued to update the account on XX/XX/year>2025, with the account being marked under dispute. On or before XX/XX/year>2025, I submitted a written dispute directly to Experian regarding the accuracy and validity of a debt furnished by XXXX XXXX XXXX ( XXXX ). Under FCRA 1681i ( a ), Experian was required to conduct a reasonable reinvestigation of the disputed information and update or delete it if it was found to be inaccurate or unverifiable.

Furthermore, although the account was clearly marked as disputed, Experian updated the account balance on XX/XX/scrub> 2025. This action demonstrates a failure to comply with FCRA 1681i ( a ), which obligates consumer reporting agencies to refrain from publishing updated information from furnishers when that information is under dispute and has not been properly verified. Updating the balance while the account remains unresolved and disputed is both misleading and damaging to my credit reputation. 
Despite this requirement, my Experian credit report dated XX/XX/scrub> 2025, shows that XXXX updated the balance on the account in XX/XX/scrub> 2025 without initially flagging it as disputed. This omission misleads third parties, violates my consumer rights, and causes financial and reputational harm. 
The failure to immediately and consistently report the disputed status of the debt violates : - FCRA 1681s-2 ( a ) ( 3 ) : Duty to report disputes when known to the furnisher ; - FCRA 1681e ( b ) : Duty of credit reporting agencies to ensure maximum possible accuracy ; - FDCPA 1692e ( 8 ) : Prohibition on reporting false or misleading information, including omission of known disputes.

Even though the account is now marked as 'Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) ', this flag does not absolve Experian of liability or correct the damage caused by its failure to ensure accurate and complete reporting at the time of the dispute.

Further, Experian continued to publish balance updates without verifying that the debt had been properly validated, and failed to ensure the dispute was acknowledged until after I initiated action through the CFPB. 

I am attaching a copy of my Experian credit report dated XX/XX/scrub> 2025 and XX/XX/scrub>, 2025, and a copy of my dispute letter to XXXX. I request full investigation and appropriate enforcement action against Experian.

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