Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
Dear CFPB, I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681c, and 1681s-2 ( b ), in investigating and correcting inaccuracies on my credit report. Despite multiple written disputes sent via certified mail ( copies attached ), Experian has refused to correct errors, conduct reasonable investigations, or remove inaccurate accounts, harming my ability to access credit, housing, and employment. 

Background I have been actively disputing the following accounts on my Experian credit report, which contain inaccuracies and/or are unlawfully reported : XXXX XXXX XXXX Account # XXXX Errors : The " Status Updated '' date is listed as XX/XX/XXXX ( a future date ), and the account is inaccurately marked as " Paid, Closed '' with a " {$10000.00} written off '' notation. This contradicts the actual timeline and resolution of this account. 

XXXX XXXX XXXX Account # XXXX Errors : The " Status Updated '' date is listed as XX/XX/XXXX ( a future date ). The account is marked as " charged off '' with a past due balance of {$7800.00} as of XX/XX/XXXX, which is impossible and reflects systemic inaccuracies. 

XXXX XXXX Account # XXXX Errors : The " Balance Updated '' date is listed as XX/XX/XXXX ( a future date ), and the account inaccurately shows a " {$1800.00} past due '' amount despite being charged off in XXXX. 

XXXX XXXX XXXX Account # XXXX Errors : The account is marked as " Paid, Closed, '' but I have documentation proving it was resolved under different terms, and the reporting does not align with the actual payment history. 

Violations of the FCRA Experians actions violate the FCRA in the following ways : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy. The inclusion of future dates and incorrect statuses demonstrates a lack of basic verification.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation after receiving my disputes.

15 U.S.C. 1681c : Reporting outdated or obsolete information ( e.g., future dates ).

15 U.S.C. 1681s-2 ( b ) : Failure to correct inaccuracies after notification from furnishers. 

Reference to CFPB Lawsuit Against Experian I am aware of the recent CFPB lawsuit against Experian ( XX/XX/XXXX ), where the CFPB alleged that Experian engages in " sham investigations '' of disputes and fails to correct errors. This pattern of behavior directly aligns with my experience. I request that the CFPB hold Experian accountable under this precedent and ensure these accounts are removed or corrected. 

Request for Relief I ask that the CFPB : Investigate Experians non-compliance with the FCRA. 

Direct Experian to permanently remove or correct all inaccuracies on my credit report. 

Ensure Experian provides written confirmation of corrections and an updated credit report.

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