Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
Complainant : XXXX XXXX XXXX : XX/XX/XXXX Subject : Formal Complaint Against Experian for Failure to Properly Investigate and Verify Accounts To Whom It XXXX Concern, I am submitting this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to their handling of my consumer credit file. Despite my formal disputes and XXXX of XXXX ( XXXX  ) requests, Experian has failed to provide proper documentation and continues to report inaccurate, unverifiable, and potentially re-aged accounts. 

I respectfully request that the CFPB investigate these violations and hold Experian accountable. Below, I am listing each account separately with the specific concerns : XXXX. XXXX. of XXXX Acct XXXX XXXX XXXX  Issues : Experian failed to provide the furnishers contact information, description of verification procedure, or documentation supporting this account. Possible re-aging concerns exist. 

XXXX. XXXX. of XXXX Acct XXXX XXXX XXXXXXXX Issues : Verified without furnishing documentation or procedure details. Experian remains noncompliant with FCRA XXXX ( a ) ( XXXX ) ( XXXX ). Possible re-aging. 

XXXX. XXXX. of XXXX Acct XXXX XXXX XXXX  Issues : Experian did not provide verification method, furnisher identity, or supporting records. Account appears re-aged and inaccurately reported. 

XXXX. XXXX. of XXXX Acct XXXX XXXX XXXX  Issues : Same violations as above no verification method provided, no documentation, potential re-aging in violation of FCRA XXXX ( a ) ( XXXX ). 

XXXX. Rent Debt Automated Col Acct XXXX XXXX XXXX Issues : Experian failed to provide any supporting documentation. This collection account appears inaccurately reported, with possible violations regarding date of first delinquency. 

XXXX. XXXX XXXX Acct XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$820.00} ( as of XX/XX/XXXX ) Status : Charged off, {$820.00} past due, previously disputed Issues : Experian verified this account without providing proper documentation or an XXXX  response. Possible re-aging violations. 

XXXX XXXX XXXX XXXX XXXX for Progressive ) Acct XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$810.00} ( as of XX/XX/XXXX ) Status : Collection account, {$810.00} past due, previously disputed Issues : Experian verified this account without providing XXXX  details or proper supporting documentation. Possible re-aging and continued inaccurate reporting. 

All formal disputes for these accounts were sent to Experian on XX/XX/XXXX by certified mail XXXX XXXXXXXX All XXXX  requests were sent to Experian on XX/XX/XXXX by certified mail after the disputes came back verified & updated on XX/XX/XXXX. 

Certified mail XXXX XXXX for XXXX  requests : XXXX of XXXX. Acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conclusion : Experian has repeatedly ignored my rights under the FCRA by verifying accounts without proper documentation and failing to provide the required XXXX of XXXX. These actions constitute willful noncompliance with federal law and have caused me financial harm. 

I request that the CFPB : XXXX. Investigate XXXX reinvestigation and verification procedures, XXXX. XXXX Experian to provide full XXXX  documentation for each account, or remove unverifiable accounts immediately, XXXX. Hold Experian accountable for FCRA violations. 

Thank you for your prompt attention to this 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