Consumer complaint received 2025-07-28 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:
I am writing to dispute inaccurate information on my credit report for my XXXXXXXX XXXX account ( Account Number XXXX ) and demand its complete removal from my credit file, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian ( filed XX/XX/XXXX, Case No. XXXX, XXXX XXXX XXXX California ) alleges systemic failures in investigating consumer disputes and removing inaccurate information, which directly relates to my case. I request a thorough investigation and deletion of this account due to multiple reporting errors. 
Account Information in Dispute : Account : XXXXXXXX XXXX, Account Number XXXX Issue : The payment history contains inaccurate collections statuses, late payment notations, and incomplete data, rendering the account unreliable and subject to deletion. Details of Inaccuracies : The payment summary for this account is incorrect, as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : No data reported Identified Errors : Inconsistent Collections Statuses : The CO ( Collections ) statuses for XXXX, XXXX, XXXX, and XXXX XXXX conflict with ND ( No Delinquency ) for XXXX, suggesting a reporting error. I have no record of collections activity, as payments were made on time. 
Inaccurate XXXX Late Payments and Collections : The XXXX notations ( 30180 days late, CO in XXXX ) are incorrect. I have no record of late payments or collections, and the lack of XXXX XXXX data indicates incomplete reporting. 
Potential Obsolescence of XXXX XXXXata : The XXXX entries may be obsolete if the delinquency began before XX/XX/XXXX, as negative information can not be reported after seven years ( FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Incomplete XXXX Reporting : No data for XXXX misrepresents the accounts active status, leading to inaccurate negative notations. 
Legal Basis for Removal : FCRA, 15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy. The errors above violate this provision, as highlighted in the CFPBs lawsuit alleging Experians failure to ensure accurate reporting.

FCRA, 15 U.S.C. 1681i ( a ) : Mandates a reasonable investigation within 30 days. The CFPB alleges Experian conducts sham investigations and over-relies on furnisher responses, which applies to my dispute if XXXXXXXX XXXX data is unverified. 
FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits reporting obsolete information. The XXXX data must be removed if older than seven years.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692g : If CO statuses involve a third-party collector, lack of debt validation violates FDCPA, as seen in prior lawsuits against Experian ( e.g., Holman v. Experian, Case No. 4:11-cv-00180 ).

Consumer Financial Protection Act ( CFPA ) : The CFPB lawsuit claims Experians faulty dispute processes are unfair, supporting my demand for removal if the investigation is inadequate.

Requested Action : Investigate the disputed entries for XXXX XXXX  ( Account Number XXXX ) and delete the entire account from my credit file, as it is inaccurate, unverifiable, or obsolete. 
Verify the date of first delinquency for XXXX entries and remove any obsolete information. 
Provide an updated credit report confirming the accounts removal. 
Notify all entities that received the inaccurate report of the deletion, per FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).

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