Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a complaint against Experian for continuing to report multiple collection accounts that are inaccurate, unverifiable, and in violation of the Fair Credit Reporting Act ( FCRA ). 

Between XX/XX/XXXX and XX/XX/year>, I mailed dispute letters requesting deletion or verification of the following accounts : XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Despite these disputes, Experian has failed to comply with the FCRA in several critical ways : They continue to report these accounts as verified without ever providing me : A copy of the original signed contract The chain of assignment or forward flow/purchase agreement A full itemized account history showing how balances were calculated Proof of the legal right to collect or report the debt in the state of Missouri A description of their re-investigation procedure, as required by FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) In fact, Experian never mailed me dispute results or an updated copy of my credit report after the reinvestigation, which is required by FCRA XXXX XXXX a ) ( XXXX ) ( B ) ( XXXX ). There are also clear factual inconsistencies and data integrity issues in how these accounts are reported : For both XXXX Collections and XXXX, the balance shown on my credit report does not match the balance stated in collection letters. This violates FCRA XXXX ( b ), which requires maximum possible accuracy. 

The accounts include fabricated or inconsistent payment terms, such as XXXX month, which I never agreed to. 

Some entries show missing data ( e.g., XXXX  in XXXX for XXXX Collections ), which makes the payment history unreliable. 

The dispute comments include vague or misleading phrases like meets FCRA requirements without explanation, and some reflect invalid entries like Invalid Date which further undermines the credibility of the re-investigation. 

This lack of transparency, failure to produce verification documents, and inconsistent reporting violates : FCRA XXXX ( a ) ( XXXX ) ( XXXX ) : Failure to conduct a reasonable re-investigation and provide documentation FCRA XXXX ( a ) ( XXXX ) ( B ) : Failure to issue written notice of reinsertion ( if any ) FCRA XXXX ( a ) ( XXXX ) : Failure to send dispute results in writing FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy These accounts continue to harm my credit and hinder my ability to qualify for housing, funding, and other financial services. I am requesting the following : Immediate deletion of any account that can not be verified with proper documentation A written explanation of how Experian verified the disputed accounts A full updated credit report reflecting any removals or corrections Compliance with all FCRA requirements moving forward, including providing dispute results and re-investigation summaries in writing

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