Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against Experian Information Solutions , Inc. for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), including false certification of disputed accounts, failure to conduct proper investigations, illegal re-aging of accounts, continued reporting of charge-offs with active balances, and mishandling of my personally identifiable information ( PII ). These violations have caused measurable harm to my credit standing, housing opportunities, employment prospects, and financial reputation.

Over the past several months, I have submitted numerous disputes with Experian regarding inaccurate or unverifiable tradelines appearing on my credit report. In nearly every case, Experian responded that the account was verified as accurate. However, when I contacted these furnishers directly, I received different information or no response at all. In multiple cases, the furnishers later deleted the accounts entirely, directly contradicting Experians prior claim that the information had been verified. This exposes a pattern of false investigations and noncompliance with FCRA 1681i ( a ).

For example, Experian upheld reporting on a FIG Loans Texas LLC account that was later deleted by the furnisher after I confronted them with evidence. XXXX XXXX XXXX followed a similar pattern : Experian claimed verification, yet the account was ultimately removed. These contradictions prove that Experian did not conduct a reasonable reinvestigation as required under FCRA 1681i ( a ) ( 1 ) ( A ) and violated its duty to correct or delete inaccurate information under 1681i ( a ) ( 5 ). 

Experian continues to report a charged-off XXXX XXXX XXXX account with an {$8.00} balance, despite no payments having been made. A charge-off by definition represents a written-off debt, and maintaining an active balance without payment activity violates FCRA 623 ( a ) ( 5 ). Experian also refused to provide any proof of verification during my dispute process, further demonstrating that the reinvestigation was not only insufficient, but likely fabricated. 

Additionally, Experian has allowed XXXX to re-age a delinquent account by altering payment history and resetting delinquency dates. This is unlawful under FCRA 623 ( a ) ( 5 ), as I did not sign any new agreement nor make any payment that would justify resetting the account timeline. This form of deceptive reporting unfairly extends the accounts negative impact on my report and misleads lenders. 

Another example involves XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Both are still listed as charge-offs with balances, yet XXXX XXXX has explicitly stated to me that the account was written off as a loss. The continued reporting of a balance directly contradicts the creditors statement and is a material misrepresentation under FCRA 1681i.

In multiple cases, I attempted to contact the furnishers myself and received no response. If I the consumer am unable to obtain a response, how is Experian able to verify anything? I have not been shown any email records, timestamps, phone logs, or other evidence of actual communication or reinvestigation. This absence of supporting documentation violates FCRA 1681i ( a ) ( 6 ), which mandates that a consumer be informed of the method and results of any reinvestigation.

These are not isolated incidents. They represent a systemic failure within Experians dispute process. It is clear that Experian relies on automated e-OSCAR dispute resolution templates and blindly accepts responses from data furnishers, regardless of accuracy or legality. Changes to accounts only seem to occur after I apply external pressure to the furnishers, not as a result of Experian 's own reinvestigation obligations. This shows a dangerous pattern of negligence and willful disregard for FCRA compliance. 

I also believe Experian is mishandling my personally identifiable information ( PII ) in ways that violate federal privacy protections. By continuing to report inaccurate, unverifiable, or outdated information and falsely certifying it as accurate Experian is using my Social Security number, address history, and credit identifiers to distribute misleading and harmful credit reports. This constitutes a misuse of PII under FCRA 604 ( a ), as the continued dissemination of materially false data does not serve a permissible purpose. These actions may also violate the Gramm-Leach-Bliley Act ( GLBA ) and the FTC Safeguards Rule, which require institutions like Experian to protect consumer information and ensure its use aligns with legal standards. I never authorized the use of my PII for the distribution of unverified or factually false credit data, and Experians failure to safeguard and properly manage my information poses a serious risk to consumer privacy.

As a result of these ongoing violations, I have suffered tangible damages. I have been denied credit, subjected to inflated interest rates, and lost access to housing and employment opportunities. My financial and personal reputation has been harmed, and these effects are traceable directly to Experians continued misreporting and noncompliance with federal law.

I am formally requesting that the Consumer Financial Protection Bureau investigate Experians reinvestigation and dispute-handling practices for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I request that Experian be required to produce all verification records, communication logs, timestamps, and investigation documentation. If Experian can not provide these materials, I request that the affected accounts be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ).

Furthermore, I request that the CFPB impose appropriate civil penalties for Experians willful and negligent violations of FCRA 616 and 617. I also request that the matter be referred to the Federal Trade Commission ( FTC ) for further review under the GLBA and applicable data protection laws. I am prepared to submit all documentation including emails, screenshots, dispute confirmations, and before-and-after credit report records to support my claims upon request.

Experian is now formally on record for a pattern of misconduct that impacts not only me but countless other consumers whose data may be misused, mishandled, or misreported. I appreciate the Bureaus attention to this matter and trust that you will act to ensure accountability and compliance moving forward. The information I provided is directly from the Experian website, investigations, etc. 

Sincerely, XXXX XXXX

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