Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX Agency Filed Against : Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Willful and Negligent Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) * * I am submitting this formal complaint against Experian Information Solutions , Inc., regarding multiple unverified, inaccurate, incomplete, and misleading accounts appearing on my Experian credit report dated XX/XX/XXXX. 

These reporting practices violate my rights under the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ), as detailed below. 


Disputed Accounts and Violations 1. XXXX XXXX XXXX XXXX Accounts ( {$500.00} & {$460.00} ) * Same creditor reporting duplicate charge-offs with conflicting balances and dates. 
* Violates * * FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) * * ( requirement for maximum possible accuracy ).

* Reporting past-due balances after charge-off also violates FCRA 623 ( a ) ( 5 ) ( accurate reporting of Date of First Delinquency ). 

XXXX. XXXX XXXX Bank XXXX XXXX Accounts ( {$1100.00} & {$830.00} ) * Duplicate derogatory reporting from the same creditor artificially inflates negative impact. 
* Already marked as disputed, yet Experian continues to report without correction violating FCRA 611 ( a ) ( 5 ) ( A ).

* Misleading duplication constitutes unfair practices under FDCPA 807 ( 8 ) ( false representation of legal status of debt ). 

3. XXXX XXXX Account ( {$2500.00}, Original Balance {$1800.00} ) * Balance inflated beyond original principal, suggesting unlawful fees.

* Violates FDCPA 1692f ( 1 ) ( collection of amounts not expressly authorized ). 
* Absent original signed agreement, Experian is furnishing unverifiable information in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

4. Debt Buyers/Collectors XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Online Information Services ( XXXX collection accounts totaling over {$4000.00} ) * No chain-of-title, bill of sale, or signed contracts provided. 
* Without documentation, Experian is reporting unverified data, violating * * FCRA 611 ( a ) ( 1 ) ( A ) ( reasonable reinvestigation required ).

* FDCPA 807 ( 2 ) ( A ) prohibits false representation of debt ownership/amount, yet these accounts are reported without proper proof. 

XXXX XXXX XXXX XXXX XXXX XXXX  ( {$59000.00} ) * Payment history shows conflicting, incomplete, and misleading data ( entries marked ND, inconsistent delinquencies, and unresolved disputes ).

* This violates FCRA 607 ( b ) ( accuracy requirement ).

* Because the loan has already been previously disputed without correction, Experian is engaging in willful noncompliance under FCRA 616.

Legal Basis for Deletion * FCRA 611 ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed items within 30 days.

* FCRA 611 ( a ) ( 7 ) : Requires disclosure of the method of verification, including original source documentation.

* FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

* FCRA 607 ( b ) : Requires Experian to follow reasonable procedures to assure maximum possible accuracy.

* FDCPA 807 & 808 : Prohibit false representations and collection of unauthorized amounts.

Requested Relief I am demanding that the CFPB : 1. Investigate Experians continued reporting of unverifiable, inaccurate, and duplicate derogatory accounts. 
XXXX. Compel Experian to * * permanently delete * * the following accounts unless original signed contracts and complete account-level documentation are produced : * XXXX XXXX ( both charge-offs ) * XXXX XXXX XXXX  ( both charge-offs ) * XXXX  * XXXX XXXX XXXX ( all accounts ) * XXXX XXXX XXXX ( all accounts ) * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 3. Require Experian to provide a * * detailed method of verification * * for all disputed items.

4. Enforce * * civil liability provisions of XXXX XXXX XXXX XXXX  against Experian for willful and negligent noncompliance.

Experian has failed in its statutory duties under the * * FCRA and FDCPA * *. The continued reporting of unverifiable, inaccurate, outdated, and duplicate derogatory information has caused me significant financial and reputational harm. 

I request that the * * CFPB intervene immediately * * to compel Experian to comply with federal law and permanently delete these unlawful entries. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX XXXX

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