Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Issue : Experian continues to inaccurately report this account as being paid 30 days late as of XX/XX/XXXX, with no records of monthly payments and a falsely reported late payment in XX/XX/XXXX. The account was opened on XX/XX/XXXX, and paid off on XX/XX/XXXX, before the due date of XX/XX/XXXX. It would be impossible for me to have made a late payment in XX/XX/XXXX as the account was already paid off before the due date. 

Impact : This inaccurate reporting has caused significant harm to my credit standing and financial reputation, including potential denials for credit and increased interest rates. 

Complaint Summary I am filing this complaint against Experian for multiple violations of federal and state laws related to credit reporting and consumer protection. Despite providing clear evidence and multiple disputes, Experian has failed to correct inaccuracies on my credit report, causing significant harm. Below are the specific violations : CFPB Jurisdiction Statute 12 U.S.C. 5564 ( a ) : The CFPB has jurisdiction to investigate and address violations of federal consumer financial laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Dodd-Frank Wall Street Reform and Consumer Protection Act ( XXXX ). 

Fair Credit Reporting Act ( FCRA ) Violations Section 607 ( b ) : Experian has failed to follow reasonable procedures to ensure the maximum possible accuracy of the information reported on my credit file.

Section 611 : Experian has not conducted reasonable investigations into my disputes. Despite providing evidence, including a loan verification document from XXXX, Experian continues to report inaccurate information. 



Section 623 ( a ) ( 1 ) : Experian has failed to correct inaccuracies reported by data furnishers, violating the requirement to maintain accurate information. 

Fair Debt Collection Practices Act ( FDCPA ) Violation Section 807 ( 8 ) : Reporting inaccurate information and refusing to correct it constitutes a deceptive and unfair practice under the FDCPA. Specifically, Section 807 ( 8 ) prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

Dodd-Frank Wall Street Reform and Consumer Protection Act ( CFPA ) Violation Section 1036 ( a ) ( 1 ) ( B ) : Under the Dodd-Frank Act, it is unlawful for any person to engage in any unfair, deceptive, or abusive act or practice. Experian 's actions constitute an abusive practice, as they materially interfere with my ability to understand and manage my credit information and take unreasonable advantage of my lack of understanding. 

Texas Finance Code - Credit Reporting Agencies Violations Section 20.051 : Requires credit reporting agencies to adopt and implement reasonable procedures to ensure the accuracy and completeness of credit reports. 



Section 20.052 : Prohibits credit reporting agencies from reporting information that the agency knows or should know is inaccurate.

Texas Business and Commerce Code - Deceptive Trade Practices Act ( DTPA ) Violation Section 17.46 : Experian 's actions constitute deceptive trade practices under the DTPA, including false, misleading, or deceptive acts related to the reporting of inaccurate credit information.

Texas Civil Practice and Remedies Code - Defamation Section 73.001 : A person who publishes or communicates a false statement about another that causes harm to their reputation has committed defamation. 

The false reporting of the XXXX account as being 30 days late constitutes defamation, as it has caused harm to my reputation and financial standing by falsely representing my creditworthiness. This false information has been communicated to third parties, including potential creditors, resulting in tangible harm such as credit denials and increased interest rates. These damages are directly linked to Experian 's failure to correct the inaccurate information despite multiple disputes and clear evidence provided.

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