Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am submitting this formal complaint against Experian for reporting multiple inaccurate, incomplete, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX. Despite previously disputing these accounts and addresses directly with Experian, the bureau has failed to conduct a reasonable investigation and continues to report these derogatory and unverifiable items. This continued reporting has caused me emotional distress, financial harm, and reputational damage. I am now requesting CFPBs assistance to ensure my rights under federal law are enforced. 
XXXX Account Number : XXXX * * Date Opened : XX/XX/XXXX High Balance : {$310.00} Status : Charge Off Issue : This account is being reported as a charge off, but the information is inaccurate, incomplete, and unverifiable. I never received proper validation of this debt. Additionally, I was a victim of identity mix-up or potential synthetic identity fraud which was not properly investigated by Experian.

XXXX Violated : FCRA XXXX ( failure to perform a reasonable reinvestigation ), XXXX ( b ) ( failure to maintain maximum accuracy ) XXXX XXXX Account Number : XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$540.00} Status : Charge Off Issue : This account is being reported incorrectly as charged off. I requested investigation and proper documentation from Experian, which they failed to provide. This account was never verified directly with the original creditor as required under the law. 
Law Violated : FCRA XXXX and XXXX ( a ) ( XXXX ) for reporting unverifiable data and not certifying permissible purpose XXXX XXXX XXXX Account Number : XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$5900.00} Status : Late Payment Issue : This account is inaccurately reporting multiple late payments. I was under administrative forbearance under the CARES Act provisions during XXXX which paused student loan payments. Despite this, Experian allowed inaccurate derogatory late marks to be added, which is damaging and unjust. 
Law Violated : FCRA XXXX ( b ), CARES Act, and FCRA XXXX ( b ) ( duty to update and correct information ) DEPT OF XXXX Account Number : XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$10000.00} Status : Late Payment Issue : This account is reporting incorrect derogatory late payment history even though my loans were in automatic deferment or administrative forbearance. Experian failed to investigate properly when I submitted disputes. 
Law Violated : FCRA XXXX ( a ) ( XXXX ) ( A ) ( furnish accurate information ), XXXX ( reinvestigation required ), XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * Date Opened : XX/XX/XXXX High Balance : {$55000.00} Status : Late Payment Issue : Experian is reporting late payments that occurred during the national emergency forbearance period, which is a clear violation of the CARES Act and the FCRA. No payments were due, yet late marks were added which is unfair and unlawful. 
Law Violated : FCRA XXXX ( b ), XXXX ( b ), CARES Act ( Public Law No : XXXX ) Experian has failed in their duty to maintain accurate records, verify disputed accounts with original furnishers, and prevent unauthorized data from being reported. I have suffered from credit denials, increased interest rates, and emotional distress as a result. I request the CFPB to take immediate action to : Investigate Experians failure to follow the FCRA Direct Experian to permanently delete the disputed accounts, addresses, and inquiries Hold Experian accountable for their negligent and willful non-compliance Thank you for your assistance.

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