Consumer complaint received 2025-04-24 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: VA

Complaint narrative:
Complaint Title : Failure to Correct Inaccurate Credit Reporting Despite Documentation - Experian Complaint Summary : I am submitting this complaint against Experian for its repeated refusal to correct inaccurate and inconsistent information reported on my credit file related to an account with XXXX XXXX XXXX. Despite providing clear and supporting documentation from XXXX XXXX itself, Experian continues to report inaccurate data and has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ). 
Details of the Complaint : Over the past several months, I have submitted at least four formal disputes to Experian concerning inaccurate and inconsistent information being reported on my credit report regarding a vehicle loan account with XXXX XXXX XXXX ( Account No : XXXX ). The following Experian dispute reference numbers apply : - Dispute No. XXXX - Dispute No. XXXX - Dispute No. XXXX - Dispute No. XXXX In each dispute, I included documentation from XXXX XXXX XXXX XXXX directly supported my position and clearly demonstrated that the information being reported was incorrect. 
This documentation included billing and contract-related details that directly conflicted with the data Experian continued to report. 
To further support my claims, I filed two formal complaints through the Consumer Financial Protection Bureau ( CFPB ) online portal, which resulted in resolution between myself and XXXX XXXX : - CFPB Complaint No. XXXX - CFPB Complaint No. XXXX The documentation that led to the resolution of those complaints-and confirmed that the data Experian is reporting is incorrect-was also submitted to Experian. Despite this, Experian continues to refuse to correct the record, and is now reporting that the account is in repossession status as of XXXX XXXX. This is false. The correct status for that period should read " no data. '' Legal and Consumer Rights Violations : 1. FCRA - 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

2. FCRA - 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

3. FCRA - 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to correct or delete inaccurate information.

4. FCRA - 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide proper reinvestigation results.

5. CFPA - 12 U.S.C. 5531 & 5536 ( a ) ( 1 ) ( B ) : Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ).

Harm Experienced : I have suffered a decreased credit score, denials or unfavorable credit terms, financial hardship, reputational harm, and emotional distress due to Experian 's failure to correct this misinformation despite having documentation.

Relief Sought : - Immediate correction or deletion of inaccurate data, especially the false repossession status reported as of XXXX XXXX - Full explanation of verification processes used by Experian. 
- Written confirmation that a legally compliant reinvestigation has occurred. 
- Copies of all reinvestigation findings as required under 15 U.S.C. 1681i ( a ) ( 6 ). 
- Compensation for damages caused by noncompliance. 
- Commitment from Experian to comply with FCRA and CFPB regulations moving forward. 
Supporting Documents : I am prepared to upload : - All four Experian disputes, - Documentation submitted to Experian and XXXX XXXX, - Resolution confirmations from CFPB Complaint Nos. XXXX and XXXX. 
XXXX XXXX : Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : 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