Consumer complaint received 2025-10-15 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: NY

Complaint narrative:
I am filing this complaint because Experian Information Services has willfully and negligently violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681e ( b ), and 1681c ) by failing to lawfully reinvestigate my disputes within the 30-day period required by law. Despite my repeated written disputes, Experian continues to report false, unverifiable, and derogatory accounts that have never been substantiated by any valid documentation from the furnishers.

Under FCRA 1681i ( a ) ( 1 ) ( A ), if a credit reporting agency can not verify disputed information within 30 days, it must delete it immediately. Instead, Experian has continued to publish this false information, representing a clear and ongoing violation of federal law.

The following eleven accounts remain unverified, inaccurate, and unlawfully reported on my Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment / Open Balance : {$12000.00} High Credit : {$150000.00} Term : 72 Months Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX. 

XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX / Charge-Off Balance : {$5500.00} Past Due : {$5500.00} Credit Limit : {$3000.00} Last Reported : XX/XX/XXXX. 

XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX  Revolving / Status Unknown ( In Dispute ) Balance : {$0.00} XXXX XXXX : {$0.00} Last Reported : XX/XX/XXXX. 

XXXX XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX  Revolving / Charge-Off Balance : {$16000.00} Past Due : {$16000.00} Credit Limit : {$500.00} Last Reported : XX/XX/XXXX. 

XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX  Revolving / Charge-Off Balance : {$2700.00} Past Due : {$2700.00} Credit Limit : {$2500.00} Last Reported : XX/XX/XXXX. 

XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$2800.00} Past Due : {$2800.00} Credit Limit : {$3000.00} Last Reported : XX/XX/XXXX. 

XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$710.00} Past Due : {$710.00} Credit Limit : {$500.00} Last Reported : XX/XX/XXXX. 

XXXX XXXX XXXX  Acct XXXXXXXX XXXX XXXX XXXX XXXX Revolving / Charge-Off Balance : {$5400.00} Past Due : {$5400.00} Credit Limit : {$5000.00} Last Reported : XX/XX/XXXX. 

XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX  Installment / Charge-Off Balance : {$7400.00} Past Due : {$7400.00} High Credit : {$10000.00} Term : 36 Months Last Reported : XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Acct XXXX Installment / Charge-Off ( Auto ) Balance : {$35000.00} Past Due : {$35000.00} High Credit : {$58000.00} Term : 60 Months Last Reported : XX/XX/XXXX. 

XXXX XXXX Acct XXXXXXXX XXXX XXXX XXXX XXXX Installment / Repossession Balance : {$14000.00} Past Due : {$14000.00} High Credit : {$16000.00} Term : 36 Months Last Reported : XX/XX/XXXX. 

( Account data verified from Experian report on file Experian has failed to provide lawful verification, original contracts, or any itemized documentation for the accounts above. Continuing to report them without validation constitutes gross negligence, willful noncompliance, and reckless disregard of consumer protection law. 

Experians failure to ensure maximum possible accuracy, as mandated under FCRA 1681e ( b ), has directly harmed my financial reputation, causing denials of credit, emotional distress, and substantial damages.

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