Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian, a credit reporting agency, for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I mailed Experian multiple written disputes regarding alleged collection accounts appearing on my credit report. Each dispute included copies of my drivers license, Social Security card, and a utility bill as proof of identity and residency. Each letter was XXXX pages long and detailed the following concerns : The collection agencies listed are not recognized by me. 

The reporting dates are inconsistent and appear to be unlawfully re-aged. 

The debts are highly questionable in origin and have been extended beyond statutory limits. 

I made a Formal Demand for Immediate Deletion of Inaccurate and Misleading Accounts. 

In these letters, I specifically demanded verifiable proof of the debts, including : A signed agreement bearing my signature. 

A complete chain of title/assignment proving the collectors legal right to collect. 

A copy of any court judgment ( if applicable ). 

A full payment history and itemized accounting from the original creditor. 

Evidence of collection rights notice sent to me as required under the FDCPA. 

Proof that these tradelines are not being unlawfully re-aged. 

Despite sending at least XXXX written disputes per account over time, Experian has never once provided any of this documentation. Instead, I receive the same generic form letter stating that an investigation was completed. When comparing their updated reports to the originals, the results are identical clearly showing no meaningful investigation has ever taken place. 

Violations Experians conduct constitutes multiple violations of federal law : FCRA, 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation. 

FCRA, 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy.

FDCPA, 15 U.S.C. 1692g failure to validate debts when disputed.

Harm Suffered Because of Experians willful disregard of the law and my consumer rights, I have suffered severe and ongoing harm : Denial of the ability to purchase a vehicle. 

Denial of rental housing. 

Inability to open or maintain financial accounts. 

Prolonged financial instability and emotional distress, compounded by the fact that I lost my home in XXXX XXXX and remain displaced. 

Requested Action I respectfully request that the CFPB investigate Experians repeated and unlawful practices, compel them to provide the required documentation, and immediately delete the disputed accounts from my credit file if they can not validate them properly. 

I further request that Experian be held accountable for their systemic use of boilerplate responses in place of lawful investigations, which has left me unable to resolve these fraudulent and inaccurate accounts for years. 

Please confirm receipt of this complaint and advise me of the next steps in your investigation. 

Sincerely, XXXX 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