Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Re : Formal Complaint Regarding Repeated Violations of the Fair Credit Reporting Act ( FCRA ) Against Experian Information Solutions , Inc . Multiple Complaint IDs Listed Below To Whom It May Concern : I am writing to formally express my ongoing and serious concerns regarding the repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) by Experian Information Solutions , Inc., despite numerous attempts to resolve these issues directly with the agency through multiple disputes and complaints. 

Since XX/XX/XXXX, I have submitted multiple complaints through the Consumer Response Portal ( CRP ), providing ample time for investigation in accordance with the law. However, the investigation outcomes reported by Experian are demonstrably inadequate. When I compared my most recent credit reports with those from previous months, I found either no corrections were made or the modifications that were made remain incorrect. This pattern has persisted for months, demonstrating a blatant disregard for the FCRA and related regulations. 

Specifically, I believe Experian Information Solutions XXXX XXXX has violated the following sections of the United States Code ( XXXX XXXX ) : - XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) Requirement for reasonable reinvestigation of disputed information - XXXX XXXX XXXX ( XXXX ) Notice of dispute to furnishers - XXXX XXXX XXXX ( XXXX ) Duty to correct or delete inaccurate or unverifiable information - XXXX XXXX XXXX ( b ) Duty to ensure maximum possible accuracy of information in consumer reports- XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) Duties of furnishers to investigate and report accurate information - XXXX XXXX XXXX Responsibility for correcting and updating information Below is the complete list of all complaints I have submitted to Experian through the CFPB portal, including Complaint IDs, dates submitted, and the product/issue raised in each complaint. This evidences my repeated attempts to resolve the matter : Complaint ID | Submitted Date | Product / Issue -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Improper use of your report XXXX | XX/XX/XXXX | Incorrect information on your report XXXX | XX/XX/XXXX | Problem with a company 's investigation into an existing problem The disputed accounts on my Experian credit report that require immediate deletion or correction are : - XXXX XXXX last reported XX/XX/XXXX, balance {$4500.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$7900.00} - XXXX XXXX XXXX, last reported XX/XX/XXXX, balance {$93.00} Despite these documented efforts and the legally mandated investigation periods , Experian Information Solutions, Inc. has failed to comply with federal law and has repeatedly provided inaccurate or unverifiable information on my credit reports. This failure not only harms my creditworthiness but also violates my rights as a consumer under the FCRA. 

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into Experian 's handling of my disputes, enforcement of FCRA provisions, and the accuracy of the information reported. Additionally, I request confirmation that the CFPB will hold Experian accountable for these violations and require corrective action to ensure full compliance with federal law. 

Please do not hesitate to contact me if any additional information is needed. I appreciate your prompt attention to this serious matter. 

Sincerely, 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