Consumer complaint received 2025-05-06 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: DE

Complaint narrative:
I am filing this complaint because Experian is continuing to report multiple inaccurate, outdated, and unverifiable accounts on my credit report including a XXXX XXXX bankruptcy despite multiple formal disputes and requests for verification. This behavior is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy and respond to disputes with documented validation. 

Whats deeply concerning is that on XX/XX/XXXX, Experian initiated a dispute on my credit file without my consent or authorization. I did not submit a new dispute at that time, nor did I approve anyone to do so on my behalf. This appears to be an internal maneuver by Experian to manipulate the CFPB timeline, appear responsive, and avoid resolving the original complaint. That is a breach of trust, a misuse of my profile, and an obstruction of the legal dispute process. 

Summary of Disputed Items & Violations : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Experian continues to report this bankruptcy without verifying its accuracy or confirming details with the court. 
Relief : Delete immediately unless Experian provides real-time validation from the court. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Issue : Charged-off account with no debt validation or supporting documents despite disputes. 
Relief : Delete immediately due to lack of verification. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ) Issue : Charged-off and allegedly sold to XXXX XXXX XXXX. Still negatively reporting without chain-of-custody documentation. 
Relief : Remove due to unverifiable ownership and reporting. 

XXXX. XXXX XXXX ( XXXX ) Issue : Account still showing negative activity with no supporting contract or validation. 
Relief : Delete due to ongoing failure to verify. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Issue : Reporting as a joint {$22000.00} account. I was never provided a loan agreement, contract, or validation. 
Relief : Remove unless Experian produces a signed original contract and full loan verification. 

XXXX. XXXX XXXX XXXXXXXX ) Issue : This account was XXXX under my XXXX XXXX XXXXXXXX but still reports derogatory status. 
Relief : Update to Included in Bankruptcy with {$0.00} balance and remove derogatory data. 

I have experienced intense emotional stress, anxiety, and embarrassment due to Experians refusal to correct these errors. This has impacted my ability to secure housing, transportation, and business opportunities. I am unsure why Experian is mishandling my file so severely but it feels punitive and discriminatory when I have followed all legal procedures to resolve this professionally.

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