Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I. SUMMARY OF THE COMPLAINT This complaint is filed against Experian Information Services, LLC for persistent and willful violations of the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and accepted federal consumer-reporting standards.

Experian has : Refused to delete inaccurate, obsolete, unverifiable, and harmful negative information Continued to report paid-off accounts, charged-off accounts, and incorrect balances Reported data I disputed, data I never authorized, and data that furnishers could not verify Ignored my lawful disputes and instructions Refused to conduct a lawful reinvestigation under federal law Allowed these inaccuracies to destroy my credit, finances, opportunities, and stability Engaged in unfair, deceptive, and abusive reporting practices Experians actions represent multiple federal violations, cause ongoing and severe harm, and require immediate CFPB enforcement.

-- - II. EXPERIANS MISCONDUCT -- - 1. Failure to Delete Clearly Inaccurate, Unverifiable, or Obsolete Information Despite receiving formal disputes, Experian continues to report : Paid-in-full accounts as open or delinquent Charged-off accounts with incorrect balances Accounts that exceed FCRA reporting limits Incorrect payment histories Inquiries and tradelines I did not authorize This violates : FCRA 602 ( 15 U.S.C. 1681 ) Experian must ensure fairness and accuracy in consumer reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Accuracy Requirement Experian MUST follow procedures to ensure accurate reporting.

It has failed to do so.

Case Law : Cahlin v. GMAC, 936 F.2d 1151 ( 11th Cir. 1991 ) CRAs are liable when they fail to ensure report accuracy.

-- - 2. Failure to Conduct a Legally Required Reinvestigation Under : FCRA 611 ( 15 U.S.C. 1681i ) Experian must : Conduct a reasonable reinvestigation Obtain verification from the furnisher Review and consider all consumer-provided evidence Delete unverifiable or inaccurate items Provide evidence of verification if it chooses not to delete Experian repeatedly returned template responses such as : Previously verified Information remains WITHOUT : Documentation Verification Investigation This is an unlawful reinvestigation. 

XXXX XXXX : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX CRA must do more than simply rely on the furnishers word. 



-- - 3. Continuing to Report Disputed Information Without Marking It As Disputed Under : FCRA 623 ( a ) ( 3 ) Disputed accounts MUST be clearly reported as disputed.

Experian failed to do this. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Failure to report disputed information is a material FCRA violation. 



-- - 4. Reporting Information Furnishers Can not or Did Not Verify Under : FCRA 623 ( b ) When a furnisher : Can not verify information Does not respond Fails to confirm accuracy Experian MUST delete the information.

Experian did not. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) CRAs are liable when they continue reporting unverifiable information. 



-- - 5. Experians Actions Constitute UDAAP Violations Under Federal Law Under : 12 U.S.C. 5531 & 5536 ( CFPA UDAAP ) Experians conduct is : Unfair causes unavoidable injury Deceptive misrepresents accuracy Abusive exploits consumer vulnerability These actions are unlawful.

CFPB must act.

-- - III. DAMAGES SUFFERED BY ME Due to Experians violations, I have suffered : Negative credit score impacts Denial of loans and credit cards Higher interest rates Denial of housing and rental applications Emotional distress Lost financial opportunities Long-term financial instability Under FCRA 616 and 617, Experian is liable for : Actual damages Punitive damages Statutory damages Attorney fees -- - IV. FEDERAL STATUTES VIOLATED BY EXPERIAN ( FULL LIST ) FCRA 602 Accuracy Obligations FCRA 605 Obsolete Information FCRA 607 ( b ) Maximum Accuracy Requirement FCRA 611 Reinvestigation Requirements FCRA 623 ( a ) ( 3 ) Duty to Report Disputes FCRA 623 ( b ) Duty to Investigate CFPA 5531 & 5536 UDAAP Violations

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