Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- - Dear CFPB Investigator, I am filing this formal complaint against Experian Information Solutions, Inc. , for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) particularly as it relates to their unlawful reinvestigation practices, known as sham investigations, and failure to correct or remove multiple inaccurate and unverifiable items on my credit report. 

I have repeatedly disputed specific accounts and personal information that are inaccurate, incomplete, and not verifiable. Despite multiple formal disputes submitted with documentation, Experian has continued to parrot the same response : that the items have been verified as accurate. Given the extremely short resolution times ( some within XXXX hours ) and the lack of meaningful documentation provided, I believe Experian is engaging in automated, non-substantive responses using e-OSCAR, and not complying with its obligations under 15 U.S.C. 1681i ( a ).

Below is a summary of each issue I have disputed, how Experian failed to comply, and the specific relief I am requesting. 

-- - Inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

- Account Name : XXXX XXXX - Partial Account XXXX XXXX XXXXXXXX - Issue : Experian reports this account as a charge-off with a past due balance of {$110.00} and last payment dated XX/XX/XXXX. I never received formal notice of charge-off, and the balance reported is inflated and inconsistent with my records.

- Relevant Law Violated : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - Demand : Immediate deletion of the account if original documentation ( signed contract, payment history, and charge-off statement ) can not be provided and verified within the standards of Metro 2 compliance and CDIA guidelines . 

XXXX XXXX XXXX XXXX. Inaccurate Charge-Off - Account Name : XXXX XXXX - Partial Account XXXX : XXXX - Issue : Experian reports this account as a charge-off with a past due balance of {$700.00} and last payment dated XX/XX/XXXX. I never received formal notice of charge-off, and the balance reported is inflated and inconsistent with my records. 

- Relevant Law Violated : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - Demand : Immediate deletion of the account if original documentation ( signed contract, payment history, and charge-off statement ) can not be provided and verified within the standards of Metro 2 compliance and CDIA guidelines . 





Inaccurate Charge-Off - Account Name XXXX XXXX XXXX XXXX Partial Account # : XXXX - Issue : Experian reports this account as a charge-off with a past due balance of {$0.00} and last payment dated XX/XX/XXXX. I never received formal notice of charge-off, and the balance reported is inflated and inconsistent with my records. 

- Relevant Law Violated : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - Demand : Immediate deletion of the account if original documentation ( signed contract, payment history, and charge-off statement ) can not be provided and verified within the standards of Metro 2 compliance and CDIA guidelines . 

Inaccurate Charge-Off - Account Name : XXXX XXXX XXXX  XXXX XXXX Account # : XXXX - Issue : Experian reports this account as a charge-off with a past due balance of {$390.00} and last payment dated XX/XX/XXXX. I never received formal notice of charge-off, and the balance reported is inflated and inconsistent with my records. 

- Relevant Law Violated : - 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation - Demand : Immediate deletion of the account if original documentation ( signed contract, payment history, and charge-off statement ) can not be provided and verified within the standards of Metro 2 compliance and CDIA guidelines XXXX 



Unverifiable Collection XXXX XXXX XXXX - Account Name : XXXX XXXX  - Partial Account # : XXXX - Issue : This collection account is reported with a balance of {$1100.00}. I have not received any debt validation under the FDCPA, and Experian has verified this account without furnishing any supporting documentation from XXXX. 

- Relevant Law Violated : - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward relevant documents to furnisher - 15 U.S.C. 1681e ( b ) Reporting unverifiable debt - Demand : Delete the account unless a full chain of assignment, proof of ownership, and original contract with my signature are provided. 

Unverifiable Collection XXXX XXXX XXXX - Account Name : XXXX  - Partial Account # : XXXX - Issue : This collection account is reported with a balance of {$16000.00}. I have not received any debt validation under the FDCPA, and Experian has verified this account without furnishing any supporting documentation from XXXX. 

- Relevant Law Violated : - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward relevant documents to furnisher - 15 U.S.C. 1681e ( b ) Reporting unverifiable debt - Demand : Delete the account unless a full chain of assignment, proof of ownership, and original contract with my signature are provided. 



Unauthorized Hard Inquiries - Listed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize these companies to perform a hard pull. There is no signed application or permissible purpose under 15 U.S.C. 1681b.

- Relevant Law Violated : - 15 U.S.C. 1681b ( c ) ( 1 ) Permissible purpose required - 15 U.S.C. 1681i Failure to investigate and remove unauthorized access - Demand : Immediate removal of all unauthorized inquiries lacking documented authorization. 

Thank you for your attention to this serious matter. I rely on the CFPB to enforce compliance when large institutions like Experian disregard their legal obligations and cause harm to consumers. I request a formal investigation and prompt resolution to ensure my credit file reflects only accurate and verifiable information. 

Sincerely, XXXX 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