Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
Improper Reporting and Failure to Provide Verification Portfolio Recovery I am filing this formal complaint with the Consumer Financial Protection Bureau regarding XXXX XXXX XXXX and the credit reporting agencies ( Experian, XXXX, and XXXX  ) for failure to properly investigate and verify XXXX disputed accounts. I believe XXXX of the portfolios accounts has been removed from my Experian credit report. Im not sure which one. 


The accounts are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX Summary of the Issue I have disputed these accounts several separate times with each credit bureau. 
In every case, the only response I received was a copy of my credit report showing the same inaccurate information. 

Providing a copy of my own credit report is not verification and does not satisfy the investigation requirements under the FCRA. 

Key Violations 1. No Proper Verification ( FCRA 611 / 15 U.S.C. 1681i ) The credit bureaus have not provided : WHO : The full name, title, and employer of the person who verified these accounts WHEN : The exact date and time verification was performed WHAT : Copies of all documents, records, or data reviewed during verification SOURCE : The name and contact of the furnisher or data source relied upon Instead, I continue to receive a generic verified response without supporting evidence. 

XXXX. Required Documentation Ignored I have repeatedly requested the following for each account and have never received it : Detailed breakdown of all purchases, charges, credits, fees, and interest Complete chain of title showing each transfer of ownership from the original creditor to XXXX XXXX XXXX signed contract bearing my signature XXXX. Inaccurate & Inconsistent Reporting These accounts are reported with different balances, dates of first delinquency, and statuses across the bureaus, making the data objectively inaccurate. 

Relief Requested I am demanding that the CFPB require Experian, XXXX, and XXXX  to either : XXXX. Provide all documentation and evidence listed above, including the exact who, when, what, and source used to verify these accounts, XXXX XXXX. Immediately delete these XXXX XXXX XXXX accounts from my credit files. 

Failure to comply with this request will result in my attorney taking legal action for statutory and actual damages under 15 U.S.C. 1681n and 1681o This is my final demand. My attorney is prepared to proceed if these unverifiable accounts remain on my credit reports. 

Also, Experian has blocked me from being able to get a rep on the phone. The automated system now runs me in circles and then hangs up on me, whereas I was able to get a rep on the phone before. They also added an inaccurate spelling of my name after I had them all removed, they went back in and added an inaccurate spelling of my name without my consent, the spelling doesnt have my middle initial. And some dispute results require me to call in, but since they blocked me from getting through, Im unable to know what the results of those disputes are. My attorney has this all documented and is ready to move forward if my rights are violated again and the bureaus continue to violate the law. 

Respectfully, XXXX XXXX XXXX

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