Consumer complaint received 2025-02-23 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: MI

Complaint narrative:
Respondent : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX This complaint is filed against Experian Information Solutions , Inc. ( " Experian '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). Specifically, Experian has failed to conduct reasonable reinvestigations, allowed the continued reporting of inaccurate and unverifiable information, and mismanaged dispute resolution processes, causing significant financial and reputational harm.

Violations and Issues : 1. Failure to Reasonably Reinvestigate Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Experian has not conducted a reasonable reinvestigation of the disputed accounts, instead relying solely on automated responses from data furnishers without substantive review.

Disputed accounts were not properly updated or removed, even when supporting documentation was provided.

2. Failure to Remove Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) The following accounts remain on my report despite clear errors and disputes : XXXX XXXX XXXX : Account # XXXX - Charged off with a balance of {$4900.00}, despite certified funds being issued and accepted as payment. 

XXXX XXXX XXXX : Account # XXXX - Reports 4 late payments, even though payments were timely made. 

XXXX XXXX XXXX : Account # XXXX - Reports a charge-off of {$800.00}, which is inaccurate and does not reflect the correct status of the account. 

XXXX XXXX XXXX XXXX ( Two Accounts ) : Accounts # XXXX & XXXX  - Reports late payments despite disputes. 

State of MI XXXX XXXX XXXX XXXX : Account # XXXX - Incorrect reporting of past due amounts despite compliance with legal obligations. 




3. Failure to Forward Dispute Information to Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Experian failed to forward my disputes and relevant supporting documentation to the furnishers, leading to inaccurate reinvestigation results.

4. Failure to Remove or Properly Address Hard Inquiries Unverified hard inquiries remain on my report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) Experian routinely ignores disputes regarding unauthorized hard inquiries, failing to provide a reasonable basis for their inclusion.

5. Failure to Provide Accurate Dispute Resolution Notices ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) Experians dispute resolution notices fail to clearly indicate what, if anything, has changed in the report. The notices are ambiguous, contradictory, and fail to comply with FCRA requirements for informing consumers of the results of investigations.

6. Reinsertion of Previously Deleted Information Without Proper Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Experian allows new furnishers to report previously deleted tradelines, failing to notify me or confirm the accuracy of reinserted information.

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