Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
On behalf of XXXX XXXX XXXX XXXX, this formal complaint is being filed against Experian for willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681s-2. Experian has failed to properly investigate and correct inaccurate and unverifiable information that continues to appear on XXXX XXXX credit report despite multiple dispute notices. The consumer has exercised her rights under the FCRA to dispute inaccurate entries, but Experian has disregarded its duty to conduct a reasonable reinvestigation and to ensure that the information reported is accurate and verifiable. 

On XX/XX/XXXX, XXXX XXXX submitted a formal dispute to Experian identifying multiple inaccurate items on her file, including a XXXX XXXX XXXX account ( XXXX ) with false late-payment dates for XX/XX/XXXX and XX/XX/XXXX, and a XXXX XXXXXXXX XXXX XXXX XXXX XXXX public record ( XXXX ) falsely indicating that she filed for bankruptcyan event that has never occurred. Despite clear evidence and supporting documentation, Experian verified these items without providing any verifiable proof of their accuracy. On XX/XX/XXXX, a second notice was sent demanding correction or deletion of the false data, along with a request for the documentation, sources, and personnel responsible for the alleged verification. To date, Experian has failed to provide any such evidence or conduct a meaningful reinvestigation.

This continued reporting of inaccurate and unverified information represents a blatant violation of the FCRA. Under 1681i, Experian is legally obligated to perform a reasonable reinvestigation of disputed information and delete or correct data that can not be verified. Under 1681s-2 ( a ) ( 1 ) ( A ), a data furnisher may not continue reporting information knownor reasonably believedto be inaccurate. Experians failure to remove or properly substantiate these disputed entries demonstrates willful and negligent disregard for federal law. The companys actions have caused XXXX XXXX measurable harm, including damage to her creditworthiness, emotional distress, and ongoing financial injury from the publication of false information to third parties. 

XXXX XXXX, through her authorized representative XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, respectfully requests that the Consumer Financial Protection Bureau ( CFPB ) conduct a full investigation into Experians handling of these disputes. The CFPB should compel Experian to immediately remove or correct all inaccurate and unverifiable information, provide a detailed explanation of the procedures used in its so-called verification, and impose regulatory sanctions for willful noncompliance. Additionally, XXXX XXXX requests that the CFPB require Experian to implement stronger consumer protection procedures and compliance audits to prevent further violations of the FCRA. 

This complaint is filed pursuant to a valid Consumer Authorization and Limited Assignment Agreement, signed on XX/XX/XXXX, granting XXXX XXXX of XXXX XXXX XXXX, XXXX full authority to act on XXXX XXXX behalf in all credit dispute and regulatory matters. All supporting documentation, including copies of the original dispute letters, bureau responses, and the signed authorization form, are available for review upon request.

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