Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I will have to sue Experian they continually violate my rights. 
XXXX  repeated refusal to properly investigate, verify, and correct inaccurate information constitutes a willful and reckless violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have made multiple good-faith attempts to resolve these issues through proper dispute channels, yet Experian continues to ignore new evidence, misclassify valid disputes as duplicates, and withhold required XXXX of XXXX details. 

If Experian continues to disregard its legal obligations and fails to comply with this reinvestigation and verification request, I will have no choice but to pursue legal action to protect my rights and seek damages as permitted under 15 U.S.C. 1681n and 1681o. 
I disputed multiple accounts with Experian, including : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Bankruptcy Filing Despite providing documentation, updates, and legal contextincluding the fact that the XXXX XXXX XXXX account is under active XXXX has failed to perform a lawful reinvestigation and has instead labeled my follow-up disputes as duplicates. 

This is not a duplicate dispute, but a continuation of my right to reinvestigation based on new evidence and active litigation. Treating it as duplicate is a direct violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), as Experian is required to investigate new factual disputes and update or remove unverifiable data. 



Violations XXXX. Failure to Conduct Reasonable Reinvestigation : Experian has not conducted a proper reinvestigation into the accuracy and validity of each listed account, despite new information and ongoing legal disputes. 
XXXX. Improper Duplicate Classification : XXXXXXXX  automated system improperly closed my reinvestigation requests as duplicates. Under 1681i ( a ), this is unlawful when new information or evidence is presented. This action denies me my full statutory right to an independent and reasonable reinvestigation.

3. Failure to Provide XXXX XXXX XXXX  : Experian has failed to comply with 1681i ( a ) ( 7 ) by refusing to disclose : The name and contact information of each furnisher that allegedly verified the accounts ; The documentation or records relied upon to confirm their accuracy ; and The method or process used to verify each disputed item. 
Without this, Experian can not legally maintain these accounts. 
XXXX. Failure to Report Active Disputes : Experian continues to publish inaccurate information without marking each item as Disputed by Consumer Account in Litigation, violating 1681i ( c ) and 1681s-2 ( a ) ( 3 ).

5. Inaccurate XXXX  XXXX ( Bankruptcy ) : The bankruptcy listing contains incorrect and incomplete data that does not accurately reflect court records. If verified through third-party sources like XXXX or XXXX, this constitutes improper and indirect verification not compliant with 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