Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
Experian continues to report three XXXX accounts on my credit file that contain multiple legal and factual violations. I have disputed these accounts repeatedly, submitted evidence including identity theft documentation from my bank, and yet Experian has refused to remove or correct the inaccurate reporting. This has now become a case of willful negligence and consumer harm. 

Each XXXX account is reporting with factual inaccuracies that Experian has verified without independent investigation. Specifically : Experian reports no positive payment history for any of the XXXX accounts prior to the alleged delinquencies. This misleads lenders and impacts credit scoring models that calculate payment history percentage. FCRA 1681e ( b ) requires Experian to maintain accurate and complete data. 

XXXX XXXX loan, a 30-day late was reported after the balance was paid in full on XX/XX/XXXX. This is clearly false. 

Two XXXX accounts were linked to a compromised bank account. I submitted a formal fraud letter from XXXX XXXX XXXX XXXX showing multiple card reissues and compromised activity. XXXX never attempted the updated card on file. Despite this, Experian refused to initiate a block under FCRA 605B ( 15 U.S.C. 1681c-2 ), violating my rights as an identity theft victim. 

Experians automated dispute process appears to simply parrot whatever XXXX says, with no true reinvestigation. This violates FCRA 1681i. In Cushman v. TransUnion, courts ruled CRAs must do more than blindly rely on furnishers. In Taylor v. Experian ( C.D. Cal. 2015 ), Experian was held liable for failing to meaningfully investigate and relying on flawed automation. 

Experian reports contradictory dates across the accounts, including Date Last Active being earlier than the Date of Last Payment. This is illogical. Term lengths are wrong. Positive OK history is either missing or misaligned with the open dates. 

The data is unverifiable, incomplete, and misleading. This isnt just XXXX  failure. Experian has failed its own duties under federal law. 

Experians pattern of blindly verifying these XXXX accounts despite multiple factual inaccuracies, identity theft documentation, and contradictory data raises serious concerns about whether there is an overrelianceor improper deferenceto the furnisher 's word, regardless of evidence to the contrary. The failure to conduct meaningful investigations across three separate XXXX tradelines suggests more than mere negligence. It raises questions about Experians independence in the dispute process and whether systemic bias or procedural deficiencies are shielding certain furnishers from scrutiny. 
Screenshots of current credit reporting issues are included in the full dispute letter.

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