Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Experian Information Solutions , Inc has been conducting sham investigations and giving uncritical deference to the furnisher of informations response during dispute. 

Experian is not excercising their grave responsibility to maintain maximum possible accuracy of report. Nor have they adopted reasonable procedures that are fair and equitable to the consumer. Moreover, Experian is not maintaining reasonable procedures to avoid FCRA violations. 

Experian has also not clearly and accurately disclosed all information in the consumers file upon request ( including all methods of verification used during disputes ). Experian has not conducted reasonable re-investigations to determine whether disputed information is accurate and has not promptly deleted inaccurate and unverfiable information. 

Between XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, Ive filed over 5 formal disputes regarding the factually inaccurate XXXX account information that Experian has been reporting. Despite me clearly citing all of the factual inaccuracies one by one during each dispute, Experian continues to allege that the factually inaccurate information being reported has been verified as accurate by the furnisher of information. 

I have repeatedly asked Experian to provide all methods of verification used to make these so-called verified as accurate determinations and have not been provided with any proof. The only response I continue to get from Experian is that the furnisher said so. Aside from heresay, Experian has provided no tangible documentation proof. 

Experian continues to operate from their mistaken presumption ( not proof ) that the furnisher of information ( XXXX ) is telling the truth without actually conducting a lawful investigation into the matter. 

Experian continues to willfully violate and not comply with multiple FCRA laws even after being notified of all the discrepencies and inaccuracies of report regarding the XXXX account. 

I have uploaded a variety of documentation ( including several credit reports highlighting the ongoing inaccuracies ) which prove my claim against Experian. 

Of particular importance is the letter correspondence from XXXX ( dated XX/XX/XXXXXXXX XXXX which states that the official date of charge-off for this account is XX/XX/XXXX. This date is important because Experian has continued to claim that they verified XX/XX/XXXXXXXX  ( onXXXX month earlier ) as the date of charge off to the date that the official XXXX correspondence alleges. 

This is proof positive that Experian is not actually conducting a real investigation into the matter. Had Experian actually conducted a lawful investigation, they would see that the furnisher is claiming a completely different month of charge-off than Experian is reporting. There can only be one official date of charge off for the XXXX account. Not two.

This is just one of MANY factual discrepencies, inconsistencies and inaccuracies that I pointed out to Experian which they continue to disregard and ignore. 

This is grounds for immediate, permanent deletion of the XXXX from my credit report and file per 15 USC 1681i ( 5 ) ( A ) ( i ). 

If Experian was taking their re-investigation responsbilities seriously, they would also see that XXXX is reporting non-matching account information to each credit agency ; thereby proving that the information being furnished by XXXX is not reliable, nor accurate. Experian, XXXX XXXX XXXX should be reporting the SAME information, but they are all reporting different numbers and dates for the XXXX account. 

This non-matching information proves that XXXX should not be presumed to be telling the truth ( simply because theyre furnishing the information ) without further inquiry and account documentation to back up their claims. 

As a result of their factually inaccurate reporting, Experian has now accumulated well over 300 willful FCRA violations totaling approximately {$300000.00} in damages ( calculation based on civil liability of {$1000.00} per willful violation ) between the dates of XXXX XXXX XXXX XXXX 

Im willing to settle out of court for the reduced amount of {$12000.00} as remedy for damages. 

Outcome desired : 1. ) Experian needs to permanently delete the entire XXXX tradeline account from my credit report. Never to be re-inserted 2. ) Experian needs to pay monetary compensation in the amount of {$12000.00} as remedy for damages related to FCRA violations from XXXX XXXX XXXX 

The following FCRA laws have been broken : 602- 15 USC 1681 Congressional Findings 604- 15 USC 1681b Permissable Purposes 605B- 15 USC 1681c-2 Block of Info resulting from Identity Theft 607- 15 USC 1681e Compliance Procedures 609- 15 USC 1681g Disclosures to Consumers 611- 15 USC 1681i Procedure in case of disputed accuracy Experian Information Solutions, Inc is now liable for damages as the result of willful non-compliance per 616- 15 USC 1681n Ive attached the following documents to this complaint : * Experian credit report from XXXX XXXX XXXX with violations Exhibit 2- XXXX correspondence ( predating all disputes ) Exhibit 4- CFPB complaint ending in XXXX / Experian responds verified Exhibit 5XXXX XXXX Report from XX/XX/XXXX with violations Exhibit 8- Online dispute results from XX/XX/XXXX verified as accurate Exhibit 9- XXXX Report from XX/XX/XXXX with violations Exhibit XXXX CFPB complaint ending in XXXX / Experian responds verified Exhibit 13- XXXX Report from XX/XX/XXXX with violations Exhibit 14- Online dispute results from XX/XX/XXXX verified as accurate Exhibit 15- Experian credit report from XX/XX/XXXX with violations Exhibit 16- Online dispute results from XX/XX/XXXX verified as accurate Exhibit 19- Experian credit report from XX/XX/XXXX with violations Exhibit 21- Experian credit report from XX/XX/XXXX with violations Exhibit 22XXXX XXXX report XX/XX/XXXX with violations Exhibit 24- Highlighted FCRA laws being violated by Experian

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