Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Company : Experian Information Solutions , Inc . XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Escalated Complaint Experians Sham Reinvestigation and Continued Reporting of False Late Payments ( XXXXXXXX XXXX ) Willful FCRA Violations Complaint Summary : I am submitting this escalated complaint against Experian due to its continued failure to conduct a lawful reinvestigation and its ongoing reporting of inaccurate late payment information associated with my XXXXXXXX XXXX account. I previously disputed these inaccuracies on XX/XX/year>. Experian responded with a generic, boilerplate statement claiming that the furnisher verified the information. This response is legally insufficient and does not satisfy XXXX obligations under the Fair Credit Reporting Act ( FCRA ). XXXX. Experian Failed to XXXX a Reasonable Reinvestigation Experian claims it contacted the furnisher and accepted their response. That is not a reinvestigation. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation, not simply parrot the furnishers automated verification. Experian did not provide : Any billing statements Any payment history records Any account-level documentation Any evidence supporting the alleged late payments XXXX on furnisher certification alone has been repeatedly challenged in federal courts as insufficient. XXXX. Continued Reporting Violates Maximum Accuracy Requirements The late payments being reported on my XXXXXXXX XXXX account do not reflect my actual payment history. By continuing to publish inaccurate and unverifiable information, Experian is violating : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information If Experian can not produce documentary evidence supporting these late payments, they must be deleted. XXXX. Experian Is Misstating Its Legal Obligations Experians response attempts to minimize its role by stating it only needs to contact the furnisher. This is false. Under the FCRA, Experian must : Evaluate the accuracy of the information Review all relevant evidence Ensure the information can be verified with competent documentation A furnishers statement is not proof. XXXX. This Constitutes Willful Noncompliance Experian has now been placed on notice multiple times and continues to : Ignore the substance of my dispute Provide boilerplate responses Fail to produce supporting documentation Continue reporting disputed information This pattern constitutes willful noncompliance under : 15 U.S.C. 1681n 15 U.S.C. 1681o Notice XXXX XXXX and XXXX XXXX : If this matter is not resolved, I am prepared to pursue further action, including : Filing additional regulatory complaints Initiating civil litigation under 15 U.S.C. 1681n and 1681o Seeking statutory damages, actual damages, punitive damages, and attorneys fees Experian has had multiple opportunities to correct this issue and has failed to comply with federal law. Conclusion : Experians response does not meet the legal standard required under the FCRA. This is not a valid reinvestigation. This is a procedural formality designed to avoid compliance. I am requesting immediate enforcement action. Sincerely, XXXX XXXX

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