Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
from docx import Document from reportlab.pdfgen import canvas from reportlab.lib.pagesizes import LETTER import os base= '' /mnt/data/ '' experian_text = " '' '' CFPB COMPLAINT LETTER EXPERIAN ( Expanded Legal Version ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Phone : XXXX RE : Formal Complaint Against Experian Information Solutions , Inc. Willful and Negligent FCRA Violations Violations of 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ), 1681i ( a ) ( 2 ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), 1681i ( a ) ( 7 ), 1681b, 1681n, and 1681o To Whom It May Concern : I am filing this formal complaint against Experian Information Solutions , Inc. for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ). Despite receiving my written disputes on XX/XX/XXXX and XX/XX/XXXX, and my sworn Affidavit of Fact, Experian has continued to : Report inaccurate, incomplete, and unverifiable information Ignore documented inconsistencies across credit bureaus Fail to provide a lawful Method of Verification ( MOV ) Issue automated verified responses without conducting a true investigation Maintain outdated or incorrect personal information These failures constitute violations under both willful ( 1681n ) and negligent ( 1681o ) noncompliance.

1. FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY 1681e ( b ) Experian is reporting obsolete, conflicting, or incorrect personal information : Employer : STATE OF OHIO Previous Addresses : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX OH XXXX XXXX. FAILURE TO CONDUCT A REASONABLE REINVESTIGATION 1681i ( a ) ( 1 ) Experian failed to : Investigate disputed items in good faith Compare data across bureaus Require furnishers to provide documentation Provide any explanation or validation Respond with anything other than automated comments Under XXXX XXXX XXXX XXXX XXXX, CRAs may not rely solely on furnishers and must conduct an independent, reasonable investigation.

FAILURE TO PROVIDE METHOD OF VERIFICATION 1681i ( a ) ( 6 ) ( B ) ( iii ), 1681i ( a ) ( 7 ) ( continued ) Experian refused to provide : The actual source used to verify the accounts Documents relied upon during verification The procedure or method used The name of the individual or department who verified the information The furnisher contact information, as required by law A generic verified as accurate response does not comply with the FCRA and multiple federal court decisions.

This omission violates Experians statutory duties under : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Duty to disclose MOV upon request 15 U.S.C. 1681i ( a ) ( 7 ) Duty to provide full consumer disclosure of the reinvestigation process 4. UNVERIFIABLE OR INACCURATE NEGATIVE ACCOUNTS ( Verbatim From My Experian Report ) Experian continues reporting accounts containing conflicting, inaccurate, or unverifiable information, including but not limited to : AVA FINANCE Revolving/Credit Card DEPARTMENT OF EDUCATION / AIDV Student Loan KIKOFF Charge/Revolving FLAGSHIP CREDIT Auto Loan / Charge-off These accounts contain : Contradicting dates across bureaus Inconsistent balances Incorrect payment histories Incomplete documentation Reporting that can not be substantiated by any furnisher Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable or inaccurate data must be deleted.

5. HARD INQUIRIES WITHOUT PERMISSIBLE PURPOSE 1681b Experian is reporting inquiries from entities without permissible purpose, including : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian failed to validate : Whether these inquiries were authorized The type of credit transaction involved The requesters stated purpose Under 1681b ( f ), inquiries made without a permissible purpose must be removed.

6. HARM SUFFERED ( CATEGORY 4 ALL CFPB HARM CATEGORIES APPLY ) You authorized the classification as Category 4 : All Harm Types, including : Credit Harm Lowered credit score and reduced access to credit.

Financial Harm Higher interest rates, denials, increased costs.

Emotional Distress Stress, worry, and repeated disruptions caused by Experians false reporting.

Time Burden Substantial time lost disputing errors, gathering documentation, and contacting Experian.

These harms are legally actionable under : 15 U.S.C. 1681n ( willful violations ) 15 U.S.C. 1681o ( negligent violations ) 7. LEGAL AUTHORITY SUPPORTING MY COMPLAINT Experians conduct violates the following federal court precedents : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX ) Reckless disregard of the FCRA constitutes willful noncompliance. 

TransUnion XXXX XXXX XXXX ( XXXX ) Unverified or inaccurate information can not be reported or maintained. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) CRAs must conduct a reasonable independent investigation. 

XXXX XXXX XXXXXXXX XXXX  CRAs must verify data and can not rely blindly on furnishers. 

XXXXXXXX XXXX XXXX  XXXX XXXX CRAs must ensure accuracy and correct errors promptly. 

8. REQUESTED ACTION BY CFPB I am requesting enforcement action requiring Experian to : Conduct a lawful reinvestigation under 1681i ( a ) Provide a written Method of Verification with documentation Delete all unverifiable or inaccurate items Remove all unauthorized inquiries under 1681b Correct all personal-information errors Issue an updated and corrected Experian credit report Provide documentation proving full compliance 9. ATTACHMENTS ( Available Upon Request ) Notarized Affidavit of Fact Highlighted Experian credit report Copies of dispute letters ( XX/XX/XXXX & XX/XX/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