Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
I am writing to formally submit a complaint against Experian for failing to uphold their obligations under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 and the Fair Debt Collection Practices Act ( FDCPA ). Despite prior disputes and multiple attempts to correct my consumer credit file, Experian continues to report inaccurate, unverifiable, and incomplete information which is damaging my credit profile. 
Experian is knowingly reporting derogatory data that violates both federal law and my consumer rights. The following accounts are being reported with errors including late payments, charge-offs, inaccurate balances, and unverifiable information all without sufficient investigation or correction as required by law. 
I demand the immediate removal or accurate correction of these entries. The continued negligence and failure to comply constitutes willful noncompliance under FCRA Section 616 and 617. 
XXXX. XXXX Account # : XXXX XXXX High Balance : {$290000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issues : Multiple reported late payments not supported by accurate billing statements. 
Failure to notify me in writing of negative credit reporting. 
No response to previous direct dispute requests. 
No proof of contract or obligation was provided. 
Violations of Law : FCRA 1681s-2 ( b ) : Failure to conduct a reasonable investigation after dispute.

FCRA 1681e ( b ) : Failure to maintain accuracy and fairness.

FDCPA 807 : Reporting false or misleading information.

Narrative : Despite my attempts to dispute this account with the original creditor and Experian, this tradeline remains with erroneous late payments and an inflated balance. I never received proper billing or documentation substantiating these claims. Experian has continued to report this item without verifying the legitimacy of the account, thus damaging my credit profile unlawfully. 
XXXX. XXXX Account # : XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issues : Account is over XXXX XXXX XXXX from the original delinquency, should have been purged under FCRA guidelines. 
Charge-off status reported without full documentation or payment history. 
No proof of ownership or chain of title. 
Violations of Law : FCRA 605 ( a ) ( 4 ) : Reporting outdated negative information beyond the 7-year period.

FCRA 1681i : Failure to reinvestigate after consumer dispute.

FCRA 1681e ( b ) : Reporting inaccurate and unverified information. 
Narrative : This account is outdated and should no longer appear on my credit file per the 7-year limit under the FCRA. Experian is reporting a charge-off that stems from an account whose last activity dates back to XXXX. This is not only inaccurate, but also a serious breach of federal guidelines. Despite disputes, Experian has failed to delete this obsolete account. 
XXXX. XXXX Account # : XXXXXXXX XXXX  High Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Charge-Off Issues : Duplicate reporting of the same debt with different account numbers. 
Account is beyond the statute of limitations for reporting. 
No evidence of current balance or creditor verification. 
Violations of Law : FCRA 605 ( a ) ( 4 ) : Reporting obsolete account over 7 years.

FCRA 1681e ( b ) : Inaccurate information reported.

FCRA 1681s-2 ( b ) : Failure to correct or delete account after dispute. 
Narrative : This is a duplicate or related account to the previous XXXX entry, yet Experian is reporting it as a separate charge-off, which falsely inflates my negative credit history. The age of this account alone makes it unreportable, and Experian has not substantiated the legitimacy of the item after dispute. 
XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  High Balance : {$30000.00} Date Opened : XX/XX/XXXX Status : Late Payment Issues : Inconsistent payment history and unverified delinquencies. 
No valid billing statements provided to support late payment status. 
Impacting credit utilization and overall payment history metrics. 
Violations of Law : FCRA 1681i : Failure to properly reinvestigate after dispute.

FCRA 1681e ( b ) : Failure to ensure accuracy of reported data.

FDCPA 807 : Misleading or inaccurate reporting. 
Narrative : TD Auto Finance has failed to respond to my direct disputes regarding these alleged late payments. Experian is continuing to report this tradeline without ensuring that it meets legal standards of accuracy and completeness. This is a willful neglect of their duty under the FCRA. 
Final Remarks : Experian has failed in its duties under the FCRA by reporting obsolete, unverifiable, and incorrect negative accounts. I have sent Experian dispute letters and requested verification, yet these accounts remain unchanged. Their inaction not only violates multiple sections of federal law but also causes ongoing harm to my creditworthiness. 
I respectfully request the CFPB to launch a full investigation into Experians reporting practices in my case. I further request that these accounts be either corrected with accurate and verified information or permanently deleted from my credit file under the authority granted to me by the Fair Credit Reporting Act.

Please contact me for any documentation or details you may need to support this complaint. I am ready to cooperate fully in this investigation.

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