Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for continuing to report inaccurate, incomplete, and unverifiable information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Experian has repeatedly failed to comply with its duties under : 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 616617 willful and negligent noncompliance, which causes harm to consumers.

Despite my disputes, Experian continues to publish data that is either duplicative, unverifiable, outdated, or otherwise inaccurate. This has caused me ongoing harm, including credit denials, higher interest rates, and emotional distress. Courts have consistently ruled that parroting a furnishers response is not a reasonable reinvestigation, yet that is exactly what Experian has done. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} * * This account is reported twice on my file, creating duplicate negative reporting. Duplicate reporting is inaccurate, misleading, and unlawful under the FCRA. 

XXXX XXXX ( Original Creditor : XXXX ) # XXXX * * Date Opened : XX/XX/XXXX Balance : {$680.00} * * This is a debt buyer account being reported as verified, but no supporting documentation has ever been provided. Reporting unverifiable debt violates the FCRA and misleads other creditors. 

XXXX XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} * * This account shows inconsistent and inaccurate balance updates. Failure to maintain accuracy violates Experians obligations under 1681e ( b ). 

XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} * * This account is obsolete and should no longer appear on my credit file. Reporting outdated accounts is inaccurate and harmful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} * * The reported open date is clearly false, and no original validation has been produced. XXXX XXXX is a known debt buyer that frequently reports unverifiable debts, and Experian has no lawful basis to continue publishing this account. 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} * * This account has been disputed multiple times, yet Experian continues to report it without providing validation such as a contract, signed agreement, or itemized statement. This is a direct violation of both the FCRA and FDCPA standards.

Outdated Addresses Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are outdated and should have been deleted, but Experian

continues to report them. Keeping obsolete addresses increases the risk of identity confusion and reporting errors. Requested Resolution : I request that Experian immediately : Delete all inaccurate, unverifiable, and duplicate accounts listed above. Remove all outdated personal identifying information from my file. Provide me with a corrected copy of my credit report. Confirm in writing that these corrections have been made.

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