Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am submitting this complaint because Experian has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and continues to report inaccurate and unverified information after I disputed it. 

On XX/XX/XXXX, I filed a dispute through the CFPB Portal, asking Experian to delete or verify specific inaccurate accounts.

Experian responded citing FCRA 611 ( a ) ( 3 ) ( A ), 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), claiming they could not honor my request due to limited information, but they failed to conduct a lawful reinvestigation or provide the required method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Despite my detailed submissions and supporting documents, Experian continues to report the following inaccurate or unverified accounts on my XX/XX/XXXX credit report : XXXX  XXXX Account # XXXX Charged-off {$470.00} / Opened XXXX / Status updated XXXX Listed as Account previously in dispute investigation complete. 

Experian verified without providing any documentation or the furnishers contact. 
Violates 1681i ( a ) ( 1 ) ( A ) ( failure to reinvestigate ), 1681i ( a ) ( 6 ) ( B ) ( iii ) ( failure to disclose method of verification ). 

XXXX XXXX XXXX XXXXXXXX Account # XXXX Charged-off {$340.00} / Updated XXXX I never received any signed contract, billing history, or validation proving this account. 
Violates 1681e ( b ) ( failure to assure maximum possible accuracy ) and 1681i ( a ) ( unreasonable reinvestigation ). 

XXXX XXXX XXXX Account # XXXX Charged-off {$240.00} / Updated XXXX Shows Account previously in dispute investigation complete. No proof of debt or validation provided. 
Violates 1681i ( a ) ( 2 ) and 1681i ( a ) ( 5 ) ( A ) ( duty to delete unverified items ). 

TEXAS XXXX XXXX XXXX Account # XXXX Charged-off {$76.00} / Updated XXXX Experian lists this as a charge-off without proof or authorization. 
Violates 1681e ( b ) and 1681i ( a ). 

XXXX XXXX XXXX Account # XXXX Charged-off {$13000.00} / Updated XXXX Marked redeemed repossession and disputed by consumer, but Experian provided no supporting verification. 
Violates 1681s-2 ( b ) ( furnisher duty to investigate and correct ) and 1681i ( a ) ( agency duty to reinvestigate ). 

Collection XXXX XXXX XXXX Account # XXXX Original Creditor : Progressive / Balance {$340.00} / Opened XXXX Verified with no documentation of assignment or proof of debt. 
Violates FCRA XXXX ( a ) and FDCPA XXXX ( b ), XXXX U.S.C. XXXX ( b ) ( failure to validate ). 

XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXX XXXX / XXXX {$860.00} / Opened XXXX Experian failed to provide proof of ownership or assignment of this debt. 
Violates 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 

Collection XXXX XXXX XXXX Account # XXXX Original Creditor : Retreat at XXXX XXXX / Balance {$4600.00} / Opened XXXX Marked litigation pending, yet still reported as active collection. 
Violates 1681c ( f ) ( reporting of inaccurate legal information ) and 1681e ( b ) ( failure to ensure accuracy ).

Violations of Federal Law 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 2 ) : Duty to forward dispute information to furnisher.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Duty to delete unverifiable information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Duty to provide method of verification.

15 U.S.C. 1681e ( b ) : Obligation to assure maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) : Furnishers duty to investigate and correct.

15 U.S.C. 1692g ( b ) : Collectors duty to validate debt upon request.

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