Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
Experian is reporting an excessive number of derogatory accounts on my credit file, many of which are duplicated, and Experian has failed to validate or verify a single one of these accounts despite multiple disputes. The accounts appearing on my file include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and these same XXXX accounts appear again duplicated as XXXX XXXX XXXX with the exact same account numbers and balances. I have already filed CFPB complaints directly against XXXX. XXXX and XXXX, because both companies furnished duplicate accounts to Experian, but Experian is responsible for verifying information before continuing to furnish it. I do not understand how Experian continues to allow duplicate collection accounts, duplicated charge-offs, duplicated balances, and entirely duplicated XXXX XXXX to be reported on one consumers file, especially when this violates the FCRAs maximum possible accuracy requirement. I have disputed these accounts multiple times, and instead of receiving validation, Experian has repeatedly mailed and emailed me accusations claiming that I am working with a third party, that the dispute may not have come from me, and that I should file an identity theft complaint. All of this is incorrect. I am fully aware of my rights, I am disputing these items on my own, and these responses are nothing more than stall tactics. What Experian has not provided is the actual documentation required to legally verify or validate a collection or charge-off. To verify a collection, Experian must have the original signed contract, full itemized accounting, billing statements, the date of first delinquency, the notice of assignment, the chain of title, proof of legal ownership, and proof that the debt collector is authorized to furnish and collect. To verify a charge-off, Experian must have the original agreement, the complete account history, the date of first delinquency, proof of the charge-off calculation, the charge-off date, an itemized balance breakdown, and the correct Metro-2 status and narrative codes. Experian has supplied none of this. Instead, Experian continues to report unverified accounts, duplicated portfolios, and inaccurate data, in violation of FCRA 602, 611, and 623, FDCPA 1692e and 1692g ( b ) ( as applied to the accuracy of collection data ), and Metro-2 furnishing requirements, which explicitly prohibit duplicate accounts, unverifiable data, and mismatched information. Everything I have disputed has been removed from the other credit bureaus, but Experian continues to keep these accounts on my file without providing any validation or proof.

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