Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX : Company Name : Experian Information Solutions , Inc . 
Product : Credit reporting, credit repair services, or other personal consumer reports Sub-product : Credit reporting Issue : Incorrect information on your report Sub-issue : Account information incorrect WHAT HAPPENED : Experian is violating federal law by continuing to report unverifiable information despite receiving written proof from the data furnisher that they can not locate or verify the account. 

DETAILED DESCRIPTION : THE ACCOUNT : Account : XXXX XXXX & XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX Status : Shows as " Paid, Closed '' with XXXX late payments from XXXX THE EVIDENCE OF NON-VERIFICATION : On XX/XX/XXXX, the data furnisher ( XXXX ) sent me XXXX letter explicitly stating they CAN NOT : - Determine the exact information on my credit report which I am disputing - Locate my account This is written, documented proof that the furnisher can not verify the information being reported. 

EXPERIAN 'S FCRA VIOLATIONS : XXXX XXXX  FIRST DISPUTE ( XX/XX/XXXX ) : XXXX XXXX - I filed a dispute with Experian regarding this account - Experian responded that the account would remain on my report- I then contacted XXXX directly and obtained their XX/XX/XXXX letter XXXX XXXX  SECOND DISPUTE WITH EVIDENCE ( Late XXXX XX/XX/XXXX ) : XXXX XXXX - I filed a new dispute with Experian - XXXX XXXX 's XXXX as supporting documentation proving non-verification - Experian acknowledged receiving the documentation - A " Disputes XXXX '' stated they would review the additional information- I was told a new dispute would be opened based on this evidence XXXX XXXX  EXPERIAN 'S XXXX " UPDATE '' ( XX/XX/XXXX ) : * XXXX On XX/XX/XXXX, Experian marked the account as " Updated '' with the following message : " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' However, when I reviewed my credit report : - The account information is IDENTICAL to before- All XXXX late payments remain ( XXXX, XXXX, XXXX, XXXX lates from XXXX ) - Status still shows " Paid, Closed '' updated XX/XX/XXXX - NO actual changes were made whatsoever The only notation states : " This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX XXXX THIS IS DECEPTIVE : XXXX XXXX Experian marked the account as " Updated '' to make it appear they conducted an investigation, but they made XXXX substantive changes despite written proof the account can not be verified. 

CLEAR FCRA VIOLATIONS : XXXX. * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX  - If a furnisher can not verify disputed information following reinvestigation, the credit reporting agency must promptly delete the information. XXXX confirmed in writing they can not verify this account, yet Experian refuses to delete it. 

2. XXXX XXXX  15 U.S.C. 1681i ( a ) ( 1 ) ( A ) XXXX XXXX  XXXX Credit reporting agencies must conduct a reasonable reinvestigation. Marking an account as " Updated '' with no actual changes is not a reasonable reinvestigation. 

XXXX. XXXX XXXX 15 U.S.C. 1681e ( b ) * * - Requires reasonable procedures to assure maximum possible accuracy. Continuing to report information that the furnisher explicitly can not verify violates this standard. 

THE FUNDAMENTAL PROBLEM : How can Experian " verify '' information when the original creditor states IN WRITING that they can not locate the account? This is impossible. Experian is either : - Not actually contacting the furnisher - Ignoring the furnisher 's inability to verify - Automatically " verifying '' accounts without proper investigation All three scenarios represent serious FCRA violations. 
PATTERN OF NON-COMPLIANCE : 1. First dispute : Denied without proper investigation 2. Second dispute with proof : Claimed they would investigate XXXX. " Update '' on XX/XX/XXXX : Changed nothing, marked as " Updated '' XXXX. Account continues to damage my credit despite being unverifiable This pattern suggests systematic failure to comply with FCRA requirements. 
IMPACT ON ME : - Continued damage to my credit score from unverifiable negative information - Inability to obtain favorable credit terms- Significant time wasted filing multiple disputes with evidence - Mental and emotional distress from Experian 's bad faith " investigations '' - Loss of trust in the credit reporting system TIMELINE : - [ Date ] : First dispute filed with Experian - Denied - [ Date ] : Sent verification request to XXXX - XX/XX/XXXX : Received written confirmation from XXXX they can not locate account - [ Date ] : Filed second dispute with Experian, attached XXXX letter - [ Date ] : Experian acknowledged receiving documentation, stated new dispute would be opened - XX/XX/XXXX : Experian marked account as " Updated '' but made XXXX actual changes - [ Date ] : Filed third dispute citing the fake " update '' and FCRA violations - Present : Account still appears with all negative information despite being unverifiable WHAT I WANT FROM EXPERIAN : XXXX XXXX XXXX Immediate deletion XXXX XXXX of the entire account ( XXXX XXXX & XXXX, Account # XXXX ) including all late payment notations XXXX. XXXX XXXX Updated credit report * * sent to all entities that received my report in the past 6 months ( or 2 years for employment ) XXXX. XXXX XXXX  Written explanation XXXX XXXX  of how they " verified '' information the furnisher can not locate XXXX. * * Written confirmatioXXXX XXXX XXXX of the deletion XXXX. XXXX XXXX Compensation XXXX XXXX for : - Multiple FCRA violations - Deceptive " investigation '' practices - Damage to my credit from reporting unverifiable information - Time and emotional distress from multiple failed disputes XXXX. XXXX XXXX  Investigation XXXX XXXX into Experian 's systematic practice of fake " updates '' that change nothing REQUESTED CFPB ACTION : - Investigate Experian 's " investigation '' practices that result in no actual changes - Require immediate deletion of this unverifiable account - Impose penalties for multiple FCRA violations- Monitor Experian 's dispute resolution procedures- Investigate whether this is a widespread pattern affecting other consumers - Require Experian to explain how they " verify '' accounts the furnisher can not locate

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