Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, and 607 ( b ). 



Background I previously disputed multiple accounts with Experian. 
I provided a valid Identity Theft Report under FCRA 605B regarding XXXX XXXX Account # XXXX. 
Experian acknowledged in writing that I appear to be a victim of fraud. Despite this, Experian continues to report the account as a charge-off with a {$530.00} balance. 
I also disputed inaccurate late payments on XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, but Experian has failed to correct them. 



Violations of the FCRA 1. XXXX XXXX ( Account # XXXX ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires a CRA to block and permanently suppress fraudulent accounts within 4 business days of receiving an ID theft report. 
Violation : Experian continues to publish this account despite having proof of fraud. 
Correct e-OSCAR codes that should have been applied : XXXX Not his/hers ( Fraud/ID Theft ) 103 Claims true identity fraud, police/ID theft report supplied Remedy Sought : Permanent deletion of Affirm account from my Experian file. 



2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These are not fraudulent, but Experian is reporting false late payments and past-due balances. 
FCRA 607 ( b ) : Requires CRAs to maintain maximum possible accuracy. 
FCRA 611 ( 15 U.S.C. 1681i ) : Requires Experian to conduct a reasonable reinvestigation and correct errors. 
Violation : Experian has engaged in sham verifications, allowing false late payments to remain instead of correcting them. 
Correct e-OSCAR codes that should have been applied : 112 Claims inaccurate information, update to correct XXXX Payment history inaccurate, correct reporting Remedy Sought : Correction of all late/missed payments to show Paid as Agreed/ On Time. 



Relief Requested from CFPB I am requesting that the CFPB compel Experian to : 1. Immediately delete the XXXX XXXX account # XXXX under 605B as fraudulent. 
2. Correct payment history reporting for XXXX XXXX, XXXX XXXX, and XXXX to accurately reflect on-time payments. 
3. Provide me with the method of verification used in all reinvestigations, per 611 ( a ) ( 6 ) ( B ) ( iii ). 
4. Ensure Experian complies with the FCRA and CFPBs consent orders requiring fair dispute handling and prohibition of sham investigations. 



Damages & Enforcement Experians continued reporting of fraudulent and inaccurate data has caused me credit denials, financial harm, and reputational damage. These actions constitute willful noncompliance under FCRA 616 and 617, exposing Experian to statutory, actual, and punitive damages. 

I request the CFPB to take immediate enforcement action to protect my rights and ensure Experian complies with federal law. 



Sincerely, XXXX XXXX XXXX XXXX ( SSN and DOB previously provided with identity theft report )

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