Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX, Experian,XX/XX/XXXX, and XX/XX/XXXX for repeated, willful, and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX continues to report false and misleading information regarding my loan XXXX despite having issued a Paid in Full Verification Letter confirming the loan was fully paid, the balance is {$0.00}, and the account is closed. XX/XX/XXXX continued reporting of 30-day and 60-day late payments, a collection or charge-off code, and a derogatory account status is knowingly false and materially misleading. These inaccuracies have caused direct and substantial harm, including lowered credit scores, denial of credit, higher interest rates, stress, reputational harm, and wasted time and financial resources attempting to correct the record. 

I provided XXXX with a full dispute including their own Paid in Full letter, documentation of the inaccurate reporting, and a formal demand for correction under FCRA 623 ( b ). XXXX failed to correct or update the account, demonstrating a failure to conduct a reasonable investigation as required by law. I also submitted formal disputes to Experian, XX/XX/XXXX, and XX/XX/XXXX with full supporting documentation. All three bureaus verified the false information without correction, demonstrating a failure to conduct a proper reinvestigation as required under FCRA 611 ( a ) ( 1 ) and a violation of the requirement to maintain maximum possible accuracy under FCRA 607 ( b ). I filed a complaint with the CFPB providing all documentation, and the complaint was closed without ensuring correction. This systemic failure shows that neither the furnisher ( XXXX ) nor the CRAs nor the CFPB have fulfilled their legal obligations. 

* * Specific FCRA Violations Include : * * 1. * * FCRA 623 ( a ) ( 1 ) ( A ) : * * XX/XX/XXXX, as a furnisher, may not report information it knows is inaccurate. XXXX is fully aware of the inaccuracy as demonstrated by their own Paid in Full letter. Continuing to report derogatory information constitutes willful noncompliance. 
2. * * FCRA 623 ( b ) : * * Furnishers must conduct a reasonable investigation when a dispute is received from a consumer. XXXX failed to investigate in good faith, ignored clear evidence, and continued to submit false information to the credit bureaus. 
3. * * FCRA 607 ( b ) : * * CRAs are required to maintain maximum possible accuracy. Experian, XX/XX/XXXX, and XX/XX/XXXX verified false information despite clear proof of full repayment, violating this standard. 
4. * * FCRA 611 ( a ) ( 1 ) : * * CRAs must reinvestigate disputed information within a reasonable period, generally 30 days. The bureaus failed to reinvestigate in any meaningful way, relying instead on the furnishers uncorrected reporting without further review. 
5. * * FCRA 602 : * * Consumers are entitled to fair and accurate reporting. XXXX and the CRAs have failed to provide accurate reporting and due process, violating the purpose of the FCRA to ensure fairness in consumer credit reporting. 

* * Case Law Supporting My Complaint : * * * * * XXXX XXXX TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) : * * CRAs must perform more than superficial investigations ; failure to meaningfully reinvestigate constitutes violation. 
* * * XXXX v. CAI, 257 F.3d 409 ( 4th Cir. 2001 ) : * * CRAs are held to a standard of maximum possible accuracy ; verification of false information without review is insufficient. 
* * * XXXX v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) : * * Reporting misleading or inaccurate information violates the FCRA even if technically accurate in a narrow sense ; context matters. 
* * * XXXX v. TransUnion, 202 F. Supp. 3d 967 ( N.D. Ill. 2016 ) : * * Continuing inaccurate reporting after notice is willful misconduct ; liability exists for ongoing harm. 
* * * XXXX XXXX BEH, 520 F. Supp. 2d 734 ( S.D. Tex. 2007 ) : * * Furnishers are liable for failure to correct verified inaccuracies ; they can not rely on a perfunctory internal process. 

* * Timeline of Dispute and Resolution Attempts : * * * I submitted a written dispute to Affirm with their verification letter and evidence of inaccurate reporting, but XXXX failed to correct the account. 
* I submitted disputes to Experian, XX/XX/XXXX, and XX/XX/XXXX, attaching all supporting documentation and proof of full repayment. All bureaus verified false information without correction. 
* I filed a complaint with the CFPB including all evidence. The complaint was closed without ensuring any correction. 
* I sent a second notice to XX/XX/XXXX emphasizing their legal obligations under FCRA. XXXX failed to respond or correct the account. 

* * Harms Suffered : * * * Credit scores are negatively affected, impacting ability to obtain credit and favorable interest rates. 
* Denial of loans and credit opportunities due to false negative reporting. 
* Increased financial costs due to higher interest rates on credit products. 
* Stress, anxiety, and reputational harm from ongoing inaccurate reporting. 
* Loss of time and resources attempting to correct information through all available channels. 



I have attached the Paid in Full Verification Letter, dispute letters, screenshots of false reporting, and CFPB complaint closure documentation. XXXX, Experian, XX/XX/XXXX, XX/XX/XXXX, and the CFPB have all failed to correct the issue despite repeated notices and clear evidence. This conduct is deliberate, ongoing, and a clear violation of the FCRA. I request immediate corrective action, enforcement, and protection against further harm.

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