Consumer complaint received 2025-01-14 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: DC

Complaint narrative:
I am submitting this formal complaint against Experian Information Solutions , Inc. for repeated and intentional violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 15 U.S.C. 1666b, and related provisions. As highlighted in the CFPBs XX/XX/XXXX report, Experian has displayed systemic failures in handling credit reporting disputes, and my case exemplifies these issues. 
Experian has failed to properly investigate my disputes and continues to report inaccurate information on my credit file, specifically regarding accounts with XXXX XXXX XXXX and XXXX XXXX XXXX Despite submitting detailed disputes, registered correspondence, and supporting documentation, Experian has neglected its duty to ensure the accuracy of the reported information or provide verifiable proof of claim, resulting in significant harm to my creditworthiness and financial standing. 

Summary of Issues : XXXX XXXX XXXX  Account ( Originating XX/XX/XXXX ) : Experian inaccurately reported a late payment during an active billing dispute, violating 15 U.S.C. 1666b and 12 CFR 1026.13, which prohibit reporting late payments while disputes are unresolved.

Experian failed to verify the accuracy of this information under 15 U.S.C. 1681i, continuing to report an inaccurate paid charge-off status that misrepresents my financial behavior. 

XXXX XXXX Account : Experian continues to report inaccurate payment history, despite multiple disputes with supporting documentation. 
Experian has not conducted a meaningful reinvestigation or adhered to its obligations under 15 U.S.C. 1681s-2 ( b ), leaving inaccuracies unresolved and harming my credit profile.

Legal Violations : Failure to Conduct Proper Investigations : Experian failed to meet its obligations under 15 U.S.C. 1681i to reinvestigate and verify disputed information, neglecting to provide any supporting documentation for its reporting. 
Intentional Misreporting During Disputes : By reporting late payment data during active disputes and failing to correct inaccuracies, Experian violated 15 U.S.C. 1666b and 12 CFR 1026.13.

Non-Compliance with CFPB-Documented Standards : As outlined in the CFPBs XX/XX/XXXX report, Experians systemic disregard for FCRA requirements reflects broader patterns of negligence that harm consumers like me. 

Impact on Me : Experians actions have caused significant harm, including : Reputational Damage : The inaccurate information misrepresents my financial behavior, harming my credibility.

Financial Loss : Denied credit opportunities and higher interest rates due to Experians reporting failures. 
Emotional Distress : The unresolved inaccuracies have caused stress and frustration as I have sought to protect my financial reputation. 
Attached are copies of my dispute letters, Experians inadequate responses, and supporting documentation highlighting the inaccuracies. These documents further demonstrate Experians failure to investigate my claims and comply with FCRA requirements.

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