Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
FTC REPORT # # XXXX I am filing this complaint to report ongoing violations of the Fair Credit Reporting Act ( FCRA ) and other relevant laws by Experian. Despite my repeated efforts to dispute inaccuracies on my credit report, Experian has failed to provide a detailed explanation of the verification methods used for the following accounts : XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX ( Experian ignored FTC report # XXXX XXXX which indicated the vendor verified the information as accurate. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a detailed explanation of the steps taken to verify the accuracy of these accounts. However, Experian has consistently responded that the accounts were verified as accurate based solely on the vendors perspective, without providing any specific verification method. This vague and insufficient response fails to meet the statutory requirements for a thorough and transparent verification process. 

In particular, Experian ignored information in their system showing consistent on-time payments for XXXX XXXX XXXX XXXX ACCT XXXX XXXX, including payments that were double and triple the required amount. I even provided bank statements showing that I paid {$110.00} in XXXX, which is {$38.00} over my required payment of {$74.00}. Despite this evidence, Experian ignored my documentation and claimed that the vendor verified the incorrect information. 

Additionally, the payment history is blank in Experian 's system for XXXX  XXXX ACCT # XXXX, despite me providing Experian with a document from XXXX  indicating I paid the account off long before the due date. Experian is reporting the account as 30 days late in the same month I paid it off. 

Furthermore, I complained that XXXX was violating the SCRA and Military Lending Act. XXXX returned {$9200.00} in illegal charges, but then reported the account late during the dispute process, despite me paying on time. XXXX subsequently closed the credit card in retaliation. Experian ignored the evidence again, stating that the vendor verified the account was reporting accurately. 

I have submitted evidence proving that these accounts are reporting inaccurately, yet Experian has not addressed my concerns. Their actions appear to violate the following provisions of the FCRA and other relevant laws : 15 USC 1681e ( b ) : Failure to follow reasonable procedures to ensure the accuracy of the information contained in my credit report.

15 USC 1681i ( a ) ( 1 ) : Failure to conduct a proper reinvestigation of disputed items after receiving my dispute.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a detailed explanation of the verification method used to confirm the accuracy of the disputed accounts.

15 USC 1681b ( f ) : Experian 's actions have caused harm by failing to maintain accurate information, which is a violation of the FCRA 's requirement to ensure the accuracy of consumer credit information.

15 USC 1681s-2 ( b ) : Failure to comply with the requirements for furnishing accurate information to credit reporting agencies.

These violations have caused significant harm by allowing inaccurate and unverified information to remain on my credit report, damaging my financial reputation and causing potential economic harm.

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