Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint against Experian because I have been disputing multiple accounts since XX/XX/year>, and Experian has STILL not provided one single document proving ANYTHING they are reporting about me is accurate. 
What Experian has done : Sent me copies of my own credit report Claim the accounts are verified Add fraud alerts I never requested Suggest I may be using a credit repair company ( Im not ) Imply identity theft when I never claimed that Use the same automated responses over and over Refuse to conduct a real investigation I am disputing these myself. I researched, the CFPB website, and actual federal laws. If I know the law better than a billion-dollar credit bureau , that is sad and embarrassing at this point. 
Below are the exact accounts Experian is mishandling and the legal violations involved. 

FCO ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Apartment Collection Experian is reporting a derogatory apartment collection for over {$5000.00}. 
I have disputed this repeatedly for over 90 days, and Experian has still not provided ANY legal verification. 
Since Experian and FCO clearly dont understand what actual verification is, here is what the law requires for an apartment debt : Verification Required Under FCRA, FDCPA & Metro-2 : Original signed lease agreement Move-in inspection Move-out inspection Final itemized statement of all charges Photos or documentation of alleged damages Payment ledger showing every rent charge + every payment Deposit ledger showing how deposits were used Copies of Notices to Vacate or demand letters you claim you sent Proof of assignment or ownership from the property to FCO Correct Metro-2 coding ( accurate DOFD , payment status, etc. ) Experian has provided none of these.

Instead, they send me : Verified.

Consumer disagrees. 
Account previously reviewed. 
That is NOT verification that is the e-OSCAR rubber-stamp system, which is NOT a reasonable reinvestigation under FCRA 611 ( a ) and 623 ( b ). 
XXXX Credit Card Charge-Off Experian is reporting this account as a derogatory charge-off. 
To verify a charge-off, Experian MUST have : The original signed credit agreement All monthly statements A complete transaction/payment history ledger A breakdown of how the charge-off amount was calculated DOFD documentation Proof of ownership or assignment Metro-2 compliant charge-off and payment status reporting Experian has provided NONE of this. 
They simply verified it electronically. 
That is a violation of : FCRA 611 ( a ) ( failure to reinvestigate ) FCRA 607 ( b ) ( maximum possible accuracy ) FCRA 623 ( a ) ( 1 ) ( A ) ( can not report unverifiable information ) XXXX XXXX XXXX Charge-Off Exact same problem : No contract No payment history No statements No charge-off documentation No proof of ownership No Metro-2 compliance And the same verified stall response I know Experian didnt get verification because none was ever provided.

This is another violation of FCRA 611 ( a ) and 623 ( b ). 
XXXX XXXX XXXX Account {$0.00} Charge-Off ( Reinserted ) Experian is reporting a {$0.00} balance XXXX XXXX XXXX charge-off, even though : The account had been disputed before Experian provided NO certification of reinsertion I received zero written notice You CAN NOT list a {$0.00} account as a charge-off without proof Experian failed to provide : Statements Ledger Payment history Charge-off documents Any reinsertion justification Experian violated : FCRA 611 ( a ) ( 5 ) ( B ) You can not reinsert deleted information without written notice within 5 business days AND without certification from the furnisher. 
Experian did neither. 

Personal Information Errors Experian continues to report : Old addresses : remove these addresses immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX requested corrections to my name : XXXX XXXX XXXX ( provided my license ) My Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Experian did NOT update the information. ( now you can send a copy of my report showing you've updated my info ) Under FCRA 607 ( b ), Experian must maintain maximum possible accuracy, which includes identity data. 
Fraud Alerts Experian Added WITHOUT My Permission Experian placed fraud alerts on my credit file that I did NOT request or authorize. 
You did this AFTER I disputed accounts, which is a known stall tactic. 

I never claimed identity theft, and I never asked for a freeze or fraud protections. 
Adding a fraud alert without consent is : Misleading Harmful A form of dispute suppression And a violation of your obligations under FCRA 611 ( a ) and 607 ( b ) Consumers have a right to dispute WITHOUT being flagged as victims of fraud. 

Now with a quick XXXX search I know Experian has : Rubber-stamping disputes Using automated e-OSCAR codes Sending stall letters Failing to verify anything Ignoring submitted disputes Adding unauthorized fraud alerts Reinserting negative accounts without notice Failing to maintain accuracy And refusing to follow federal law Experian has been sued MANY times for these EXACT behaviors : Failure to investigate disputes Reinsertion violations Inaccurate reporting Failing to maintain accuracy Data breaches So Experian is absolutely aware these behaviors violate the law. 
At this point, the pattern is intentional.

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