Consumer complaint received 2026-03-06 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: SC

Complaint narrative:
This complaint is submitted pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., against the consumer reporting agencies and all furnishers of information presently reporting on my consumer file. I am formally asserting that my consumer report contains information that is inaccurate, incomplete, misleading, and unverifiable, and that the continued reporting of such information constitutes a willful and negligent failure to comply with federal law. Despite prior disputes, the reporting entities have failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ), and have instead relied on automated or superficial verification processes that do not satisfy the statutory requirement of a good-faith, independent investigation. The furnishers have likewise failed to comply with their duties under 15 U.S.C. 1681s-2 ( b ), including the obligation to conduct a reasonable investigation, review all relevant information provided, and report accurate results back to the consumer reporting agencies. Furthermore, the continued publication of information that can not be substantiated with original source documentation, competent evidence, or a complete chain of title where applicable, violates the maximum possible accuracy standard mandated under 15 U.S.C. 1681e ( b ). Any attempt to verify disputed data without producing competent documentary evidence, including but not limited to original signed agreements, complete payment histories, and proof of lawful ownership and authority to report, is legally insufficient. To the extent any third-party debt collector or servicer is involved, their conduct also raises violations under 15 U.S.C. 1692e and 1692f for false, deceptive, or unfair representations in connection with the collection or reporting of alleged obligations. The pattern of conduct demonstrates systemic noncompliance, including failure to properly note disputes, failure to delete unverifiable information, and continued reporting of derogatory data that materially damages my credit standing. Such actions constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, exposing the reporting entities to statutory, actual, and punitive damages. I demand immediate deletion of any and all inaccurate, unverifiable, or improperly reported information from my consumer file, correction of any misleading data, and written confirmation of compliance. If the reporting entities can not produce competent documentary evidence substantiating the accuracy and legal basis of the information being reported, the law requires deletionnot continued reporting. Continued failure to comply will be treated as knowing and willful violations of federal law and may result in escalation to civil litigation for damages, costs, and attorneys fees.

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