Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB Complaint Draft Company : Experian Information Solutions , Inc . 
Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Incorrect information on your report Sub-issue : Information belongs to someone else What happened?

I am filing this complaint against Experian Information Solutions , Inc. for their failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ) Section 611 and their violation of established credit reporting standards. 
Background : My credit card company has been reporting an incorrect late payment balance on my credit report. While the discrepancy is small ( pennies ), it represents inaccurate information that Experian has refused to correct despite clear evidence of the error. This violates multiple federal credit reporting requirements. 
Specific Violations : 1. FCRA Section 611 - Failure to Conduct Reasonable Investigation Under 15 U.S.C. 1681i, Experian is required to conduct a " reasonable reinvestigation '' of disputed information. Despite providing clear documentation showing the correct balance, Experian has refused to make the correction, suggesting they failed to conduct the thorough investigation required by law.

2. e-OSCAR System Compliance Violations According to CFPB Circular 2022-07, credit reporting agencies must forward " all relevant information regarding the dispute '' to furnishers and can not avoid investigation obligations by imposing additional requirements. Experian 's refusal to correct documented inaccuracies suggests they may have failed to properly utilize the e-OSCAR system to investigate my dispute with the data furnisher.

3. Metro 2 Format Standards The Metro 2 format requires accurate reporting of consumer credit information. The incorrect balance reporting violates these industry standards for data accuracy and completeness.

Documentation Provided : Accounts statements showing correct payment balance Previous correspondence with Experian Correspondence with credit card company confirming error Impact : Even small reporting errors can affect credit decisions and signal systemic problems with data accuracy. Experian 's refusal to correct documented inaccuracies undermines consumer confidence in credit reporting accuracy.

Resolution Requested : Deletion because record keeping isnt reliable.

This complaint involves Experian 's failure to meet their legal obligations under federal law, despite clear evidence of reporting errors. I request the CFPB investigate this matter and ensure Experian complies with FCRA requirements for reasonable dispute investigations.

What would be a fair resolution to this issue?

I am filing this complaint against Experian Information Solutions , Inc. for systematic violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., specifically their failure to maintain reasonable procedures to assure maximum possible accuracy as mandated under 15 U.S.C. 1681e ( b ). The documented inaccuracies across XXXX separate accounts evidence systemic failure of Experian 's data integrity protocols, creating reasonable doubt about the reliability of their entire consumer reporting database. ''

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