Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I previously submitted CFPB complaints disputing multiple derogatory accounts that continue to appear on my credit reports. Those complaints were accepted and the credit reporting agencies and furnishers were placed on actual regulatory notice. Despite that notice the following accounts continue to be reported inaccurately unlawfully and without competent verification. No original signed agreements complete payment histories itemized billing records or valid chains of assignment were produced during the prior CFPB investigations. Instead the bureaus relied on automated furnisher responses and continued updating or reaging the accounts rather than deleting them. This conduct is aggravated by the Equifax data breach which compromised my personal identifying information and required heightened scrutiny and blocking of unverifiable data. Continued reporting of these accounts after CFPB escalation and breach notice has caused ongoing financial harm credit denials and emotional distress and demonstrates willful noncompliance rather than a good faith reinvestigation. 

Accounts in Dispute Requiring Deletion XXXXXXXX XXXX XXXX  Account Reported as closed charged off and derogatory with conflicting statuses across bureaus. No signed agreement complete payment history or charge off accounting has ever been produced to establish legal liability or balance accuracy. 

XXXXXXXX XXXX XXXX  Account Reported as closed charged off with unpaid balance and delinquency history. No original contract payment ledger or charge off documentation was produced during the CFPB review. 

XXXX XXXX XXXX XXXX XXXX Account Reported as charged off closed and derogatory with inconsistent information across bureaus. No admissible documentation was produced to substantiate the balance or obligation. 

XXXX XXXX XXXX Account Reported as closed charged off with unpaid balance and delinquency markers. No signed agreement or complete accounting was produced during the CFPB process. 

XXXX XXXX XXXX XXXX Account Reported as a collection without proof of legal liability itemized billing or valid chain of assignment from the original creditor. 

XXXX XXXX XXXX Accounts Multiple accounts reported as charged off collections with no payment history and contradictory status indicators including open and collection classifications. No original agreements or valid assignments were produced to establish authority to collect or report. 

XXXXXXXX XXXX XXXXXXXX XXXX Account Reported as a derogatory collection without lawful verification. No signed contract or chain of assignment was produced during the CFPB review. 

XXXX XXXX XXXX XXXX Account Reported as charged off with profit and loss write off and collection indicators without production of the original lease agreement complete payment history or balance calculation.

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