Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against * * Experian * * for failing to meet the investigative standards required under the * * Fair Credit Reporting Act ( FCRA ) * *, particularly 1681i and 1681s-2. My Experian credit report dated * * XX/XX/year> ( Report XXXX. XXXX ) * * contains numerous * * negative accounts * * that have either not been verified properly or contain inaccuracies that persist despite previous disputes. 

A number of these derogatory accounts have been marked as updated or verified after disputes, yet no substantive investigation has taken place to confirm their accuracy. For instance, the following accounts remain on my credit report with unresolved discrepancies or unverifiable debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, originally for XXXX XXXX XXXX XXXX XXXX XXXX, shows a balance of * * \ {$13000.00} * * in collection with no proof of valid debt or supporting documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX is listed for * * \ {$870.00} * * in collections with no explanation for the duplication of entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  shows an alleged debt of * * \ {$150.00} * * for XXXX XXXX XXXX XXXX XXXX XXXX, and yet Experian has offered no verification of the account details or documentation from the original creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, reports a charge-off of * * \ {$480.00} * * despite prior disputes and clear evidence of inaccurate payment reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reflects a * * \ {$720.00} * * collection with no verification or consumer consent. 
* Multiple accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX including : * Account # XXXXXXXX XXXX XXXX \ {$580.00} * * * Account # XXXX XXXX XXXX  \ {$1500.00} * * * Account # XXXXXXXX XXXX XXXX \ {$980.00} * * and * * duplicate entry for \ {$1500.00} * * * Account # XXXXXXXX XXXX XXXX \ {$1500.00} * * * Account # XXXXXXXX XXXX XXXX XXXX {$1500.00} * * These collection accounts all originate from * * XXXX XXXXXXXX XXXXXXXX XXXX XXXX  and show signs of duplicated reporting, unverifiable debt, and lack of proper investigation. 

Additionally, * * XXXX XXXX * * Account # XXXX reports a balance of * * \ {$1900.00} * * in collections, without providing sufficient validation or supporting records to verify the nature and accuracy of the debt. 

Many of these accounts still include the remark * '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), '' * yet the disputes have not resulted in meaningful reinvestigation or evidence from data furnishers. This is a clear violation of my rights under * * FCRA 1681i * *, which mandates a * * reasonable reinvestigation * * and removal of information that is * * inaccurate, incomplete, or unverifiable within 30 days * *.

Because Experian has failed to verify these accounts through proper documentation or due process, and because some of these accounts appear to be duplicates or inaccurately reported, I am requesting that the CFPB step in and demand Experian * * delete all negative accounts that have not been verified in compliance with the FCRA * *. I have made good faith attempts to dispute this information and have been met with form responses or recycled data from creditors, which does not meet the legal threshold of a proper investigation. 

Thank you for your time and attention. I request urgent intervention to ensure my consumer rights are protected and these erroneous accounts are removed. 

Sincerely, XXXX XXXX

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