Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting by Experian To the Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian regarding the persistent and harmful inaccuracies in my credit report. These inaccuracies are despite multiple attempts on my part to resolve them directly with Experian and confirmation from my creditors that they have submitted the correct information. This situation appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( 15 U.S.C. 1681 ), 611 ( 15 U.S.C. 1681i ), and potentially 623 ( 15 U.S.C. 1681s-2 ).

The specific inaccuracies are as follows : * XXXX XXXX Account : My XXXX XXXX account is currently open with a {$0.00} balance as of XX/XX/year>. However, my Experian report inaccurately reflects the following : * For the month of XX/XX/year>, my status is reported as " NO DATA or ND '' when it should reflect " Paid as Agreed. '' * For the month of XX/XX/year>, the account is incorrectly listed as " Closed, '' despite the account being reinstated in XX/XX/year>. 
* XXXX Account : The current balance on my XXXX account should be {$2200.00}. My Experian report has not been updated to reflect this accurate balance. 
* XXXX  XXXX Account ( My Own ) : While the current balance on this XXXX  XXXX card is {$0.00}, Experian continues to report a balance of {$27.00}. 
* XXXX  XXXX Account ( Authorized User ) : Although I am an authorized user on another XXXX  XXXX account with a {$0.00} balance, Experian is incorrectly reporting a balance of {$32.00} for this account. 

XXXX XXXX XXXX XXXX XXXX : This card is correctly reported on my XXXX  and XXXX  reports, but it is missing entirely from my Experian report. 

My attempts to resolve these inaccuracies : I have contacted Experian on multiple occasions to dispute these inaccuracies. [ Since you mentioned calling Experian several times, you can keep it general or add a timeframe if you recall, e.g., " I have contacted Experian repeatedly throughout XX/XX/year>. '' ] During these calls, I provided them with the correct information and requested that they update my report accordingly. [ Optional : Briefly mention what you were told during these calls, e.g., " I was repeatedly told that they would investigate, but the inaccuracies persist. '' ] Furthermore, I have contacted my creditors ( XXXX XXXX, XXXX, and XXXX  XXXX ), and they have all confirmed that they have reported the accurate account statuses and balances to all three major credit bureaus, including Experian, around XXXX XXXX. They have even completed a re-reporting. This indicates that Experian has failed to properly process and update the information provided by the furnishers, potentially violating their responsibilities under Section 611 ( a ) ( 5 ) of the FCRA to conduct a reasonable reinvestigation and update inaccurate information. 
The harm caused by these inaccuracies : The persistent inaccuracies in my Experian credit report are causing significant harm and negatively impacting my financial well-being. Specifically, they are : * Hindering my loan options : Lenders rely on accurate credit reports to assess creditworthiness. The incorrect negative information and inaccurate balances are likely leading to less favorable loan terms or even denials. 
* Impeding my home buying options : As I am currently exploring home buying, accurate credit reporting is crucial. These discrepancies could jeopardize my ability to secure a mortgage or result in higher interest rates. 
This situation directly contradicts the stated purpose of the FCRA to ensure fair and accurate credit reporting ( Section 602 ). Experian 's failure to correct these known inaccuracies, despite being notified by both myself and my creditors, demonstrates a disregard for their obligations under the FCRA. 

Thank you for your time and attention to this critical matter. I look forward to your assistance in resolving this issue and ensuring the accuracy of my credit report. 
Sincerely, XXXX XXXX

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