Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Experian for their repeated failure to accurately report and remove multiple erroneous and harmful accounts from my credit report despite previous disputes. These accounts contain false, incomplete, and unverifiable information which continues to damage my credit profile. Experian has failed to perform a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ) and continues to report inaccurate data. I am exercising my rights under the FCRA 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( b ), and demanding immediate intervention through CFPB. 
XXXX Account Number : XXXX High Balance : {$1300.00} Date Opened : XX/XX/XXXX Status : Charge off Issue : This account is inaccurately reported as charged off despite being disputed. No proper validation or investigation was conducted. No signed contract or billing history was provided. Reporting violates FCRA 1681i ( failure to reinvestigate disputed information ) and 1681e ( b ) ( failure to ensure maximum accuracy ). 
Story : I never authorized this account. After repeated disputes, Experian failed to provide proof of the original creditor, account ownership, or accurate balance validation. The continued reporting is damaging my credit and mental peace. 
XXXX XXXX Account Number : XXXX High Balance : {$710.00} Date Opened : XX/XX/XXXX Status : Late payment Issue : Late payment reporting is inaccurate. No proper evidence or billing statements were provided. This violates FCRA 1681s-2 ( b ), as the furnisher failed to validate the information after I submitted disputes. 
Story : I communicated several times to remove these false late payments but Experian kept the account without correction. It has impacted my creditworthiness and caused multiple rejections in financial applications. 
XXXX XXXX XXXX Account Number : XXXX High Balance : {$33000.00} Date Opened : XX/XX/XXXX Status : Charge off Issue : This account has been charged off without proper validation or verification of debt. No original documentation was provided during disputes. FCRA 1681i and 1681e ( b ) have been violated by not reinvestigating properly and by furnishing inaccurate data. 
Story : I requested removal due to unverifiable information and lack of contract or payment record. Experian failed to meet compliance and allowed a charge-off to reflect without any justifiable proof, which is severely affecting my credit profile. 
XXXX Account Number : XXXX High Balance : {$940.00} Date Opened : XX/XX/XXXX Status : Collection Issue : Account was never validated, and yet its being reported as a collection. I have not received any debt validation letter or legal documentation. Violates FCRA 1681s-2 ( b ) for failure to investigate and validate the debt. 
Story : I never received any notice from this collector nor was I aware of this debt. Experian ignored my dispute and has not followed reasonable procedures to verify this account, which is false and defamatory. 
XXXX XXXX XXXX  Account Number : XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Collection Issue : This collection account is reporting without any proper debt validation or notice. FCRA 1681e ( b ) is violated for reporting inaccurate and unverified information. 
Story : I never acknowledged this debt, and no contract or communication from the collector was ever received. Experian failed to follow due diligence, ignored my dispute, and continued to report this inaccurate item, damaging my financial credibility. 
I am requesting immediate removal of the above-mentioned inaccurate, unverifiable, and damaging accounts from my credit report and a full investigation into Experians non-compliance. Experian has violated my consumer rights under federal law. I am suffering financial, emotional, and reputational damage due to their negligence. I request CFPB to enforce immediate corrective action and penalize Experian under the provisions of the FCRA.

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