Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally submit a complaint against Experian regarding its improper methods of verifying negative items on my credit report. These inaccuracies and improper verifications are negatively impacting my creditworthiness, and I am concerned about the fairness and legality of their processes. 

The specific negative items in question include, but are not limited to : Late Payments Bankruptcies Charge-Offs Collections Unauthorized or Unverified Credit Inquiries Nature of the Complaint Improper Verification Processes : I have disputed the accuracy of several negative items on my credit report, including those listed above. However, Experian has responded with vague and generic statements that they " verified '' the information without providing any detailed evidence of their verification process. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when disputes are submitted. I believe Experian has failed to comply with this requirement. 

Failure to Provide Documentation : I requested verification and documentation from Experian to substantiate these negative items, but they have not provided concrete proof, such as original creditor agreements, account records, or any other evidence. Their failure to provide supporting documentation suggests either a lack of proper investigation or a reliance on automated systems that do not meet FCRA standards. 

Retention of Inaccurate/Unverified Information : Despite my disputes, Experian continues to report items that are either unverifiable or inaccurate. This includes credit inquiries that I did not authorize and outdated items, such as bankruptcies or collections that have exceeded the statute of limitations for reporting.

Impact on Creditworthiness : These negative items are adversely affecting my credit score, limiting my access to credit, and impacting my financial opportunities. Experian 's improper handling of my disputes exacerbates this harm. 

Desired Resolution I request the CFPB to investigate Experian 's practices in this matter and take the following actions : Ensure that Experian complies with the FCRA by conducting reasonable investigations for all disputed items. 
Require Experian to remove any items that can not be properly verified within the required time frame. 
Hold Experian accountable for failing to provide supporting documentation for the disputed items. 
Investigate whether Experian 's automated verification systems are compliant with federal standards. 
Impose penalties if Experian is found to have violated the FCRA. 
Supporting Documentation I have attached the following supporting documents for your review : Accounts listed but not limited : XXXX. XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT ON XX/XX/year> XXXX XXXX XXXX # XXXX Written off, paid in settlement. 
XXXX. Bankruptcy chapter XXXX # XXXX XXXX. Bankrutpcy chapter XXXX # XXXX XXXX. Multiple Credit inquires

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