Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
[ What happened? ] I am filing this complaint against Experian Information Solutions , Inc. for repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including failures to conduct reasonable reinvestigations, provide required proof of verification, and delete inaccurate information from my credit file. These willful violations have damaged my credit score, leading to denied credit opportunities and emotional distress, especially amid ongoing identity theft risks from data breaches like the XXXX & XXXX customer data leak ( for which I am a class member in active litigation ). Despite three certified mail disputestwo prior ones with follow-up proof requests, and a third received todayExperian has ignored legal obligations, sent vague " verified accurate '' responses without evidence, and now falsely claimed my latest dispute was unauthorized.

* * Background and Disputed Items : * * Since XX/XX/year>, I have disputed the following inaccurate negative items directly with Experian via certified mail ( return receipt requested ; see attached documents for tracking numbers and delivery confirmations ) : 1. * * Late payment notations on XXXX lease account * * : Reported as multiple 30-day delinquencies, but payments were made on time or within grace periods ( e.g., 9-day delay resolved immediately ). Account was paid in full. ( See attached documents. ) 2. * * Unauthorized collection from XXXX XXXX XXXX for {$1300.00} * * : This debt is invalidI have no originating agreement, and it appeared post-data breaches, likely from identity theft. ( See attached documents. ) 3. * * Charged-off XXXX XXXX balance for {$240.00} * * : Marked negative despite full settlement. ( See attached documents. ) 4. * * XXXX lease late mark * * : Reported inaccurately for a 4-day delay that was paid in full. Similar inaccuracies persist without basis. ( See attached documents. ) These errors total 4 negative items, all unverifiable and blocking my financial recovery.

* * Timeline of Disputes and Violations : * * - * * First Dispute ( Certified Mail, Delivered XX/XX/year> ) * * : Detailed the above items with supporting docs. Experian responded ~30 days later with a boilerplate letter claiming " all items verified accurate '' but provided no proof.

- * * Proof Request # 1 ( Certified Mail, Delivered XX/XX/year> ) * * : Demanded detailed investigation records per FCRA 611 ( a ) ( 6 ), including furnisher communications, original contracts/chain-of-title, and verification methodology. Ignoredno response or docs provided within 30 days.

- * * Second Dispute/Proof Request # 2 ( Certified Mail, Delivered XX/XX/year> ) * * : Reiterated inaccuracies and renewed demand for proof, 30 days after the first request ( totaling 70 days of noncompliance ). Again, a vague " investigation complete '' response without evidence.

- * * Third Dispute ( Certified Mail, Delivered XX/XX/year> ) * * : Comprehensive challenge to all items, including SSN and ID verification, with renewed proof demand. Same day, Experian emailed me ( see attached ) falsely claiming the request " does not appear to have been sent directly by you or authorized, '' refusing action and directing a " direct '' disputedespite my certified mail proofs and FCRA right to any method ( 1681i ( a ) ( 1 ) ). This is pretextual evasion.

Experian 's pattern : Automated, evidence-free responses violating FCRA timelines and standards.

* * Specific Violations : * * - * * Failure to Reinvestigate Reasonably ( FCRA 611 ( a ) ( 1 ) ) * * : No contact with furnishers for competent evidence ; items remain despite my proofs.

- * * Failure to Provide Proof of Verification ( FCRA 611 ( a ) ( 6 ) ) * * : Twice requested ( 70 days total ) detailed docsoriginal sources, investigation logs, and decision rationalebut received nothing, blocking my challenge rights. Willful under 616.

- * * Deletion Requirement Ignored ( FCRA 611 ( a ) ( 5 ) ) * * : Unverified items not deleted post-reinvestigation.

- * * Improper Block on Authorized Dispute ( FCRA 1681i ( a ) ( 1 ) ) * * : Today 's email unlawfully dismissed a verified certified mail request without basis.

- * * Willful Noncompliance ( FCRA 616 ) * * : Repeated vagueness ( " all items correct '' sans proof ) amid my data breach vulnerabilities, causing actual harm ( e.g., higher interest on loan denial ).

* * What I Want ( Fair Resolution ) : * * 1. Immediate deletion of all 4 disputed negative items from my Experian file and all reports.

2. Free updated credit report confirming deletions, plus 12-month 3-bureau monitoring.

3. Full proof of all investigations : Furnisher contacts, original docs ( contracts, chain-of-title ), methodologies, and rationale for each itemper FCRA 611 ( a ) ( 6 ).

4. Statutory damages of {$1000.00} per violation ( {$5000.00} total : {$1000.00} per item + {$1000.00} per ignored proof request ), plus actual damages ( {$500.00} for credit harm ).

5. Permanent block on re-reporting these items and audit of my file for breach-related errors.

This is my third CFPB complaint on Experian. Their evasion violates CFPB FCRA enforcement priorities. Please forward for a 15-day response and notify me of outcomes..

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