Consumer complaint received 2025-04-01 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:
Consumer Financial Protection Bureau Complaint Against : Experian Information Solutions , Inc . 
Complainant : XXXX XXXX Date of Report : XX/XX/XXXX Summary : This is a formal complaint against Experian for violating multiple sections of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by reporting inaccurate, unverifiable, incomplete, and misleading information on my credit report dated XX/XX/XXXX. 

Experian failed to conduct reasonable investigations, failed to provide the method of verification, and failed to report accounts with maximum possible accuracy as required by law under 15 U.S.C. 1681e ( b ) and 1681i. Despite my prior disputes, the information remains unchanged and continues to damage my creditworthiness.

I am demanding the permanent deletion of the following accounts within 5 days. If Experian fails to comply, I will pursue civil litigation under 15 U.S.C. 1681n and 1681o, seeking statutory damages, actual damages, and legal fees. 



Inaccurate Accounts and Factual Disputes : XXXX. XXXX  XXXX XXXX Secured Card Account Number : [ Redacted by Experian listed as XXXX ] Status : Closed / {$120.00} past due / {$420.00} balance Inaccuracy : Reports late payments in XXXX XXXX after closure. Delinquency is inconsistent with account closure and payment history. 
FCRA Violations : 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) XXXX. XXXX XXXX XXXX  ( Multiple Accounts ) All of the following accounts are reported inaccurately, with duplicate negative history, excessive charge-off notations, and unverifiable payment strings. 
Account # XXXX : XXXX ( Opened XX/XX/XXXX ) Status : Charged-off / {$560.00} balance Issue : Re-aged late payments and charge-off with no monthly updates or verification. 
Account # XXXX : XXXX ( Opened XX/XX/XXXX ) Status : Charged-off / {$1100.00} balance Issue : Repeated CO ( charge-off ) entries for XXXX consecutive months, which is inaccurate and misleading. 
Account # XXXX : XXXX ( Opened XX/XX/XXXX ) Status : Closed / {$1400.00} written off Issue : Inconsistent closure and charge-off history ; multiple CO entries post-closure. 
Account # XXXX : XXXX ( Opened XX/XX/XXXX ) Status : Closed / {$490.00} written off Issue : Similar to other accounts, charge-off data repeats well after the charge-off occurred. 

FCRA Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i Failure to reasonably reinvestigate.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification. 



XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : Charged-off / {$20000.00} balance Inaccuracy : Duplicate reporting : XXXX listing shows paid/never late, while this entry reports 53 months of derogatory history and repeated charge-offs. 
Late payments continue being reported monthly after vehicle surrender and account closure. 

FCRA Violations : 1681e ( b ), 1681i ( a ) ( 5 ) XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : Charged-off / {$9500.00} balance Inaccuracy : Monthly charge-off ( CO ) reported for over XXXX consecutive years ( XXXX months ), which is excessive and misleading. 
Voluntary surrender not reflected correctly in status update. 

FCRA Violations : 1681c ( a ) ( 4 ), 1681e ( b ) 5. Collections : XXXX XXXX XXXX Account # : XXXX Status : {$690.00} past due Inaccuracy : Consumer dispute noted, but no method of verification provided. 
XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Status : {$310.00} past due Inaccuracy : Data has remained unchanged with no proof of validation despite dispute. 
XXXX XXXX XXXX / XXXX XXXX Account # : XXXX Status : {$350.00} past due Inaccuracy : Dispute completed with no supporting documentation, still marked as verified. 

FCRA Violations : 1681e ( b ), 1681i ( a ) ( 6 ) ( B ) ( iii ) FCRA Violations Summary : 15 U.S.C. 1681e ( b ) : Experian failed to report information with maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to perform a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide method of verification upon request.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete or correct unverifiable information.

Relief Requested : Permanent deletion of all accounts listed above.

Disclosure of full method of verification, including : Name and contact information of the data furnisher Date and time of verification Documents used to verify account accuracy Immediate correction of all derogatory payment history entries that can not be verified.

Written confirmation of all deletions and corrections.

If Experian does not resolve these errors within 5 business days, I will sue for : Statutory damages under 15 U.S.C. 1681n ( {$1000.00} per violation ) Actual damages for credit harm Punitive damages Attorney fees and court costs

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