Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau against Experian Information Solutions , Inc. for willfully violating my rights under the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, incomplete, and unverifiable information on my consumer credit report.

Despite submitting several disputes, supporting documentation, and my attached Affidavit of Credit Report Inaccuracies and Formal Dispute Notice, Experian continues to publish false and contradictory data without conducting a lawful reinvestigation as required by 15 U.S.C. 1681i.

This pattern of negligence, noncompliance, and lack of verification constitutes a serious violation of federal consumer protection law. 

Accounts in XXXX ( Experian Report ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$0.00} High Credit : {$290.00} Status : Paid / Late 60 Days inconsistent and inaccurate Last Reported : XX/XX/XXXX Remarks : Account was in dispute now resolved reported by subscriber. 

Issue : I do not recognize this account. Experian is reporting it with contradictory statuses ( Paid and Late 60 Days ), creating confusion and factual inaccuracy. No proof of ownership or verifiable documentation has been provided by the furnisher or Experian. Under FCRA 1681e ( b ) and 1681i ( a ), information that is unverifiable or incomplete must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} High Credit : {$720.00} Status : Paid / Late 30 Days contradictory information Last Reported : XX/XX/XXXX Issue : I also do not recognize this account as reported. It reflects a {$0.00} balance and a paid status, yet Experian still lists a Late 30 Days notation. This is inconsistent, unverified, and misleading. Pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), any information found to be inaccurate, incomplete, or unverified must be promptly deleted from the consumers credit file.

Legal Basis for Deletion : Experian is in violation of the following federal provisions : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting. 

FCRA 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation within 30 days.

FCRA 1681i ( a ) ( 6 ) : Failure to provide written results of reinvestigation.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requirement to delete unverifiable or inaccurate information.

FCRA 1681s-2 ( b ) : Continuing to report disputed or unverified information.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : Violation of consumer financial privacy rights by maintaining unverified data. 

According to federal law, any information that is incomplete, inaccurate, unverifiable, or reported in error must be deleted immediately. That is precisely the case here. 

Affidavit Attached : Attached to this complaint is my Affidavit of Credit Report Inaccuracies and Formal Dispute Notice, executed on XX/XX/XXXX, affirming under penalty of perjury that these accounts remain misreported and unverified despite repeated disputes. 

Impact on Me as a Consumer : Experians ongoing failure to maintain accuracy has caused : Reputational harm and damage to my credit profile, Denial of financial opportunities, and Severe emotional distress and XXXX.

This continued mishandling demonstrates disregard for both federal law and my rights as a consumer. 

Requested Resolution : I respectfully request that the CFPB enforce compliance and require Experian to : Delete the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts immediately from my credit report due to unverifiable, inconsistent, and erroneous reporting.

Provide full written documentation of verification procedures and furnishers responses.

Confirm permanent deletion of these inaccurate entries.

Impose appropriate penalties for Experians repeated violations of the FCRA and related federal statutes. 

If Experian continues to report unverifiable or false information, I will pursue all available remedies under 15 U.S.C. 1681n and 1681o, including statutory, actual, and punitive damages.

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