Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against Experian Failure to Investigate or Remove Inaccurate Credit Reporting To Whom It May Concern, I am filing this formal complaint against Experian for their failure to comply with the obligations imposed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 
Despite multiple attempts to dispute inaccurate information appearing on my XXXX credit report, the agency has either : Failed to provide documentation or proper validation of the disputed accounts, or Failed to remove or correct clearly inaccurate or unverifiable items within the required 30-day period.

I would like to bring to your attention the specific accounts that are negatively impacting my credit score and require immediate removal. These accounts have been a source of concern for me, and their presence is affecting my financial standing. I kindly request your prompt action in addressing this matter. Thank you for your assistance. 
XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) o This account is inaccurately reported as a charge-off with a balance of {$63000.00}. 
o Under 15 U.S.C. 1681i ( a ) ( 1 ) of the FCRA, I have the right to dispute any inaccurate information, and the credit bureau must conduct a reasonable investigation. 
XXXX. XXXX XXXX XXXX Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. 
o According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. 
XXXX. XXXX XXXX ( Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. 
o According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. 
XXXX. XXXX XXXX ( Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. 
o According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. 
XXXX. XXXX XXXX XXXX Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. 
o According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) o This collection account is inaccurately reported. The balance, original creditor, or account status may be incorrect.

o Under 15 U.S.C. 1681b ( a ), only accurate, complete, and properly validated debts should appear on my report. 
XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) o This collection account is inaccurately reported. The balance, original creditor, or account status may be incorrect.

o Under 15 U.S.C. 1681b ( a ), only accurate, complete, and properly validated debts should appear on my report. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) o This account is marked as charged off, but I have reason to believe this is incorrect or has not been properly verified. 
o According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers must provide only accurate information. If the information can not be verified, it must be deleted.

Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. If the information can not be verified, it
must be removed Experians refusal to remove unverifiable information and failure to provide proof constitutes a direct violation of this requirement. 
Additionally, their actions contradict the CFPBs own enforcement guidance that requires credit bureaus to ensure the accuracy and integrity of consumer credit data and to respond adequately to disputes in a timely and thorough manner. 
These actionsor lack thereofhave caused undue harm to my financial standing, including denials of credit and increased interest rates, and have violated my rights as outlined by federal law. 
I request the CFPB investigate Experian for these violations and ensure that they are held accountable for their non-compliance. I am requesting that the inaccurate, unverifiable accounts be permanently removed and that my file be corrected. 
Thank you for your time and attention to this matter. I trust the CFPB will intervene appropriately to ensure XXXX upholds their legal obligations. 

Sincerely, 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