Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint due to Experians ongoing and willful violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite numerous disputes, submission of documentation, and even an Identity Theft Report, Experian continues to report false, inconsistent, and unverified information on my credit report. These accounts have remained with errors and conflicts for months, and Experian has failed to provide any reinvestigation results or verification evidence, violating its obligations under federal law. 

Experians conduct reflects gross negligence, bad faith, and a clear pattern of noncompliance with FCRA provisions requiring maximum possible accuracy. 

Accounts in Question ( Experian Report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Chargeoff / Collection Derogatory Remarks : Inconsistent chargeoff date and balance across bureaus ; no verification provided despite multiple disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection / Chargeoff Derogatory Remarks : Reported inconsistently across XXXX XXXX XXXX ; Experian failed to confirm data source or furnishing entity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Chargeoff Derogatory Remarks : Discrepancies in payment history, reporting periods, and account status across bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Status : Collection / Charged Off Derogatory Remarks : Reported as charged off while still showing recent payment activity in other bureaus ; unverified and inconsistent. 

Background and History of Disputes : Over the last several months, I have submitted multiple disputes directly to Experian, both online and in writing. I also provided an affidavit, ID verification, and supporting evidence detailing the inconsistencies across credit bureaus. 

Despite this, Experian has : Failed to conduct a reasonable reinvestigation within 30 days ( FCRA 1681i ( a ) ( 1 ) ) ; Failed to provide written reinvestigation results ( 1681i ( a ) ( 6 ) ( B ) ) ; Failed to disclose the methods and sources used ( 1681i ( 7 ) ) ; Continued reporting inaccurate and conflicting data ( 1681e ( b ) ) ; Failed to cease reporting unverifiable information after notice of dispute ( 1681s-2 ( b ) ).

These actions show systemic failure and deliberate noncompliance, as the same items continue to appear with different balances, dates, and statusesindicating that Experian never verified the data properly.

Affidavit Submitted : As part of this complaint, I have submitted a sworn Affidavit of Credit Reporting Violations and Failure to Correct Inaccuracies, which documents Experians repeated violations and lack of response. 

I have disputed these accounts several times, and Experians continued reporting of contradictory information demonstrates a pattern of willful misconduct and disregard for consumer protection laws. 

Impact on Me as a Consumer : Because of Experians negligence and failure to comply with federal law, I have suffered : Severe emotional distress and anxiety attacks, Denial of credit and financing opportunities, and Damage to my personal and professional reputation. 

It is unacceptable that despite multiple notices, Experian continues to mishandle and misreport my information. Their conduct shows reckless disregard for both the accuracy mandate of the FCRA and the consumers right to proper investigation and correction. 

Requested Resolution : I respectfully request that the CFPB investigate Experian and enforce compliance under federal law. Specifically, I request the following : Immediate deletion of the four inaccurate and unverifiable accounts listed above.

A complete reinvestigation report from Experian, including documentation from the data furnishers. 

Written confirmation that these accounts have been permanently removed from my report. 

Civil and regulatory penalties imposed for Experians continued violations of FCRA and FDCPA. 

Additional Notes : I have attached my Affidavit of Violations, along with : Copies of my Experian credit report showing the inaccurate accounts, Screenshots of previous disputes submitted, and Proof of identity verification and correspondence. 

If these issues are not resolved, I will escalate this matter by filing a civil lawsuit under 15 U.S.C. 1681n and 1681o, seeking actual, statutory, and punitive damages, along with attorneys fees.

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