Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian did not conduct the legally required investigations for disputes that I submitted over the past several months. Experian either completely ignored my investigation requests or sent the items back as completed with no action taken to correct the inaccuracies. As a result, my consumer report remains incomplete and inaccurate. The information I disputed was based on the details provided by Experian in my Consumer Report. 

In every single disputed item noted in this complaint, Experian notified me that my disputes were completed. They stated that my disputes were updated, verified and updated or remains, with the same disputed missing and/or inaccurate information. They refuse to provide me with the sources of the information used to verify these accounts. I am entitled to fairness and accuracy when it comes to my consumer report. It appears that Experian may be intentionally suppressing my credit score, making access to credit difficult for me and my family.

FCRA Section 611 ( 15 U.S.C 1681 ) states that the CRA ( Experian ) is required to remove information that is inaccurate, incomplete or unverifiable. I specifically asked Experian to correct these items or remove them, but they did neither. 

On several documented occasions, I exercised my legal right under FCRA Section 606, requesting, in writing, that Experian disclose to me all information in my consumer file used to verify what they claimed to be accurate. I needed this information to compare with my records. Furthermore, disclosure is required by them, the CRA, when requested by the consumer. Experian never responded to my requests. They ignored my legal requests, and subsequently stamped my disputes, unjustifiably, as verified and accurate without investigating. My disputes were based solely on the inaccurate information provided by Experian, and no other source. 

I have a legal right to a complete and accurate credit report. Experian has developed a pattern of violating my rights by ignoring my factual dispute requests. I have sent multiple requests for disputes for inaccuracy, at times, via Certified Mail. Experians persistent failure to disclose, correct, update or remove inaccurate information appearing on my consumer report, has forced me to file this complaint with the Consumer Financial Protection Bureau ( CFPB ), before considering formal legal action. 

These are the accounts reporting incomplete and inaccurate information : XXXX XXXX XXXXXXXX - request for verification documents supporting reported XX/XX/year> late payment. No reply from CRA ( FCRA Sections 606, 611 ) XXXX XXXX XXXX XXXX - request for disclosure documents regarding inaccurately reported late payment for XXXX  - CRA did not reply ( FCRA Sections 606, 611 ) XXXX XXXX XXXXXXXX - Request for disclosure documents since CRA claimed information was certified. CRA did not provide proof of certification for inaccurate payment history. CRA did not conduct an independent investigation. Did not provide requested disclosure information as required by law. ( FCRA Sections 606, 611 ) XXXX XXXX XXXX - Repeated requests made for dispute due to inaccuracy, because the account is missing payment history. CRA reports only negative data, omitting positive history. Experian stated that the item is verified as accurate, while reporting the account with missing data. How is this possible? ( FCRA 606, 611 ) XXXX XXXX XXXX XXXX XXXX Follow up request for documents used to verify account. ( FCRA Section 606, 611 ) CRA did not respond.

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