Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint to report significant inaccuracies and inconsistencies in my credit file maintained by Experian. These errors persist despite multiple disputes and violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

This is my third formal complaint filed with the CFPB regarding these same ongoing credit reporting issues with Experian. Additionally, I have submitted XXXX formal complaints to the XXXX XXXX XXXX XXXX XXXX XXXX  concerning Experian 's failure to accurately report and correct disputed tradelines. Despite these repeated attempts, I am still forced to dispute the same accounts, many of which Experian has marked as " verified '' without ever providing the necessary documentation to demonstrate how that verification was conducted, or by whom. 

Summary of Inaccuracies and Inconsistencies on Experian Report 1. Mislabeled or Inaccurate Account Reporting XXXX XXXX ( Account Number : XXXX ) : Experian inconsistently reports this account. One section shows it as " Open/Never Late, '' while another shows XXXX  Days Past Due as of XX/XX/year>. It is marked with a dispute comment, but no explanation or evidence has been provided verifying its accuracy. This account has been disputed multiple times and each time Experian has claimed verification without furnishing validation. 

XXXX ( Account Number : XXXX ) : Experian lists this as an open credit card account with a balance of {$370.00} and under dispute, yet the balance and payment history contradict the status of Open/Never Late. This account has been disputed on more than one occasion and continues to report inconsistently, with no documentation provided to support the verification outcome. 

XXXXXXXX XXXX XXXX XXXX  XXXX ( Account Number : XXXX ) : This account, reported as paid and closed, still shows a history of severe delinquencies ( XXXX to XXXX  days past due ). Although the dispute remarks suggest the account has been verified, no supporting documents or procedural description have ever been supplied, in direct violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX XXXX ( Account Number : XXXX ) : This account is charged-off with a {$780.00} write-off and reported as previously in dispute. Despite repeated dispute submissions, Experian has failed to verify how this information was confirmed or provide proof of its accuracy. 

XXXX XXXX XXXX ( Account Number : XXXX ) : Experian reports this account with multiple delinquencies ( XXXX, XXXX, XXXX, and XXXX  days past due ), yet continues to mark it as open without any indication of resolution. The account has been disputed more than once and no documentation proving validation has ever been disclosed. 

XXXX. Outdated and Irrelevant Inquiries Experian lists XXXX hard inquiries as of XX/XX/year>. Several of these date back more than 12 months and are not connected to any open or active accounts. Under FCRA 1681b ( c ), these inquiries should no longer appear on the credit report. 

Multiple soft inquiries also appear without any permissible purpose or stated relevance. Experian has not disclosed what these inquiries were for or whether I authorized them, which may be a violation of FCRA 1681b ( f ). 

3. Failure to Validate Disputed Accounts The following accounts have been disputed multiple times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite being repeatedly marked as verified, Experian has failed to provide any documentation explaining how the data was verified, with whom, or using what method. Under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a clear and full description of the procedure used in any reinvestigation. Experian has not met this obligation.

Applicable Consumer Laws Violated by Experian FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to reinvestigate disputed information within 30 days.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide description of reinvestigation procedures.

FCRA 1681b ( c ) Reporting outdated hard inquiries without resulting accounts.

FCRA 1681b ( f ) Inclusion of soft inquiries with no permissible purpose.

FCRA 1681g Failure to provide proper disclosures of account status.

FDCPA 1692e Misleading representation of debt status by furnishers. 


Please consider this a formal request for enforcement action to hold Experian accountable for repeated violations. I request that corrective measures be taken immediately.

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