Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is knowingly and willfully allowing the continued reporting of an unlawful, false, and unverified collection account on my credit report, despite multiple disputes, clear legal violations, and overwhelming documentation that the debt is invalid. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681e ( b ) and 1681i, which require Experian to maintain reasonable procedures to ensure the accuracy of consumer reports and to properly investigate and correct or delete inaccurate information. The account in question was reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX  / XXXX  XXXX XXXX XXXX XXXX XXXX and reflects an illegitimate rental debt that is void under Georgia law ( O.C.G.A . 44-7-33 ). The landlord failed to provide an itemized move-out statement within 3 business days, as legally required, and instead produced a non-compliant, untimely, and unverified balance nearly a month after I was forced to vacate the property. This makes the debt unenforceable as a matter of law, and it can not be verified or legally collected. Despite that, Experian : Refused to properly investigate the dispute I submitted ; Accepted a false verification from the furnisher with no supporting documentation ; Claimed the furnisher certified the information as accurate without providing any evidence or completing a reasonable investigation, which is required under FCRA 1681i ( a ) ( 1 ) ( A ) ; Told me that my uploaded documents go to a cloud and that they can not modify my original dispute which defeats the purpose of uploading anything at all ; Ignored the fact that XXXX XXXX is a registered XXXX XXXX XXXX XXXX XXXX, and the account number clearly links the debt being disputed ; Permitted this account to remain on my file despite multiple disputes, and in fact allowed the furnisher to continue updating the account balance while under dispute which is explicitly illegal under FCRA 1681s-2 ( b ) and constitutes willful noncompliance. Experian is enabling this illegal reporting and acting with gross negligence and reckless disregard for its duties under federal law. This inaccurate tradeline is severely harming me in the following ways : I was denied housing as a direct result of this illegal rental debt reporting ; I suffered emotional XXXX, reputational harm, and financial loss from the inability to access credit and essential housing ; I had to resubmit disputes and start over, simply because Experians systems do not allow for documents to be attached or for disputes to be modified after submission ; I spent countless hours explaining that this debt is invalid under Georgia law and that the furnisher is using a deceptive and confusing name ( XXXX XXXX  ) to avoid proper investigation ; I have been forced to re-litigate the same issue repeatedly, only to have Experian uphold an obviously fraudulent entry, and hide behind vague responses like the furnisher verified the account with no accountability or transparency. Additionally, I was denied the ability to submit my own written dispute directly through Experians platform. I was forced to rely on agents to enter my disputes on my behalf, and was not given access to type or review my statement in full. This obstructed my right under FCRA 1681i ( a ) to clearly and fully communicate the nature of my dispute, and created additional confusion and delays. Experians system limitations directly interfered with my ability to submit a legally sufficient and complete dispute. I demand : The immediate and permanent deletion of this invalid tradeline from my Experian credit report ; A full regulatory investigation into Experians procedures for handling housing-related disputes and document uploads ; Damages and penalties for Experians willful failure to comply with FCRA responsibilities ; Confirmation that Experian ceases enabling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to continue updating disputed, invalid data. Experian is not neutral here by continuing to publish and verify patently unlawful information, Experian is participating in the harm. This is not a clerical mistake. This is an abuse of power by a credit bureau, and I will pursue every remedy available under the law.

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