Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to seek your assistance with Experian, which has failed to remove four inaccurate and poorly documented accounts from my credit report despite my disputes : ( XXXX ) XXXX XXXX XXXX XXXX ( {$610.00} ), ( XXXX ) " XXXX XXXX '' ( XXXX ), ( XXXX ) " XXXX XXXX XXXX, '' and ( XXXX ) " XXXX XXXX. '' Experian has provided inadequate responses, including insufficient information over the phone, and has not corrected or deleted these accounts, which contain errors and lack proper validation. I request your intervention to compel Experian to remove these accounts and address their noncompliance with federal law under Title 15 of the U.S. Code. 

Details of the Issue : Company : Experian Accounts in Question : XXXX XXXX XXXX XXXX ( {$610.00} ) : An unverified debt I am unaware of, with harassing calls and no validation provided by XXXX despite my requests. 
XXXX XXXX  ( XXXX ) : An auto loan with inconsistent last payment dates ( e.g., XX/XX/year>, on XXXX report, differing elsewhere ) tied to a defective vehicle whose engine failed within 25 days, with no help from XXXX XXXX XXXX, XXXX. ( XXXX  ). 
XXXX XXXX XXXX  : A XXXX XXXX  account with inaccurate reporting, compounded by XXXX repeatedly opening and closing my online account without notice, preventing me from using the card as intended. 
XXXX XXXX  : A XXXX  account that was paid off, yet Experian continues to report it with inaccurate information, such as an outstanding balance or incorrect status. 
I disputed the XXXX, XXXX XXXX, and XXXX  accounts with Experian, citing their inaccuracies and lack of substantiationXXXX  debt is unproven, XXXX payment dates are inconsistent, and XXXX  operational issues rendered the card unusable. I recently identified the XXXX account as another problem : I paid it off, but Experian still lists it inaccurately, possibly showing an unpaid balance or incorrect status. When I called Experian to discuss these disputes, they failed to provide clear detailssuch as validation documents, furnisher responses, or explanations for retaining these accountsleaving me without the information Im entitled to. These errors are unfairly damaging my credit score and financial reputation. 

Legal Violations : Experians actions violate the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : I am entitled to a reasonable investigation of disputed items. Experian must reinvestigate and delete or correct inaccurate or unverifiable information within 30 days of my dispute. Their failure to remove XXXX ( unverified ), XXXX XXXX ( inconsistent ), XXXX ( inaccurate and unusable ), and XXXX ( paid off but misreported ) suggests inadequate investigation.

15 U.S.C. 1681g : Experian must provide me with all relevant information about my credit file upon request. Their refusal to share specific details over the phonesuch as proof of verification or payment recordsbreaches my right to transparency.

15 U.S.C. 1681e ( b ) : Experian is required to follow reasonable procedures to ensure maximum accuracy. Retaining these accounts with clear errorsunverified debt ( XXXX ), conflicting data ( XXXX ), operational disruptions ( XXXX ), and a paid-off loan misreported ( XXXX ) indicates a failure to maintain accurate reporting. 
Specific Account Issues : XXXX XXXX XXXX XXXX ( {$610.00} ) : Disputed as an unknown debt with no validation from XXXX, yet Experian retains it without evidence. 
XXXX XXXX  ( XXXX ) : Inconsistent last payment dates ( e.g., XX/XX/year>, vs. others ) and tied to a defective car purchase make it unreliable, yet Experian has not acted. 
XXXX XXXX XXXX  : Discovers repeated opening and closing of my online account made the card unusable, and its inaccurate listing persists on my report. 
XXXX XXXX  : I paid this account in full, but Experian reports it inaccurately, potentially showing an outstanding balance or incorrect status, with no correction despite my review. 
My Actions : I have disputed the XXXX, XXXX, and XXXX accounts with Experian, requested their removal due to inaccuracies, and sought clarification over the phone, only to receive vague or incomplete responses. I am now adding the XXXX account to my dispute list and expect Experian to investigate all XXXX. Their lack of cooperation and failure to resolve these issues necessitate CFPB involvement to enforce compliance. 

Requested Resolution : I respectfully request that the CFPB : Investigate Experians failure to properly reinvestigate and remove the following accounts from my credit report : XXXX XXXX XXXX XXXX ( {$610.00} ) XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Compel Experian to delete these accounts under 15 U.S.C. 1681i due to their inaccuracies, lack of verification, and insufficient documentation ( e.g., XXXX paid status not reflected ). 
Address Experians refusal to provide detailed information over the phone, violating 15 U.S.C. 1681g, and ensure future transparency.

Assess potential damages for Experians noncompliance under 15 U.S.C. 1681n ( willful ) or 15 U.S.C. 1681o ( negligent ), as these errors are harming my creditworthiness.

These accounts continued presence on my Experian report is unjustified and detrimental. I have attached copies of my Experian credit report ( if available ), dispute correspondence, proof of XXXX payment ( if available ), and identification. Please contact me at [ your phone number ] or [ your email ] for additional details, such as specific call dates or XXXX account issues. 

Thank you for your assistance in holding Experian accountable and restoring the accuracy of my credit 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