Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I have disputed multiple accounts with Experian and they have failed to accurately verify the accounts in question. I keep getting generic auto investigation response emails. I am aware of the CFPB lawsuit against Experian for noncompliance and for not truly re-investigating accounts. 

Experian is reporting that there are multiple accounts reporting as a charged off status for multiple continuous months. If an account charges off, it only charges off one time not multiple months.

Experian is reporting multiple accounts as 30 days past due, which is inaccurate. 

Experian is reporting accounts in bankruptcy status when there is no bankruptcy listed on my credit report. 

Experian has had their opportunity to re-investigate all of the following account accounts and has failed to do so under FCRA. I demand at this point these accounts be updated to never late or deleted from my credit file. 

I would like experience to provide full documentation to how each and every account was accurately verified. 

I would like to know the person that they spoke to, the time and date that they spoke to the person. The method of verification for each individual account. All documentation received verifying that the status of each account is accurate and verifiable and lastly I would like to see the written permission that I gave to Experian to report these accounts because I did not. 

XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX 30 days late ( inaccurate ) Needs to be updated to Never late or DELETE XXXX XXXX Account number XXXX XX/XX/XXXX Charged off ( inaccurate ) Needs to be updated to Never late or DELETE XXXX Account number XXXXXXXX XXXX XXXX 30 days late, XX/XX/XXXX one time, XX/XX/XXXX. Charged off ( All inaccurate ) Needs to be updated to Never late or DELETE XXXX XXXXXXXX Account number XXXX Account charged off/Never late. {$860.00} written off. ( All inaccurate ) Needs to be updated to Never late or DELETE. Accounts written off require 1099-C if true and cant be reported because they become income. 

XXXX XXXX XXXXXXXX Account number XXXX Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. Also reporting changed of in XXXX, XXXX, XXXX ( inaccurate ) Needs to be updated to Never late or DELETE. Accounts written off require 1099-C if true and cant be reported because they become income. 

XXXX  Account number XXXX Reporting charged of in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ( inaccurate ) if an account truly charges off it only charges off one time. Needs to be updated to Never late or DELETE XXXX  Account XXXX XXXX Account charged off/Never late. {$430.00} written off. Also shows charges of in XX/XX/XXXXXXXX  ( inaccurate ) Needs to be updated to Never late or DELETE. Accounts written off require 1099-C if true and cant be reported because they become income. 

XXXX XXXX Account number XXXXXXXX XXXX XXXX  30days late ( inaccurate ) Needs to be updated to Never late or DELETE XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX 30 days late ( inaccurate ) Needs to be updated to Never late or DELETE 1. * * 15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605 * * This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness. 
2. * * 15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607 * * This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation.

3. * * 15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611 * * This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Experians pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law.

I demand that Experian : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.

2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham investigations. 
If Experian fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of Experians negligence and noncompliance.

This letter serves as formal notice of my dispute and a demand for immediate action. I expect Experian to uphold its legal obligations and protect my rights as a consumer. 



15 US CODE 1681 ( a ) ( 2 ) ( b ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( b ) Conditions for furnishing and using consumer reports for employment purposes 15 USC 1666b Late payments 15 U.S. Code 1681n Pursuant To 15 USC 1681n ( Civil Liability For WillfulNoncompliance ) {$1000.00}

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