Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I am filing this complaint to formally report Experian Information Solutions , Inc. for gross negligence and noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related Ohio consumer protection laws.

This is not simply a matter of dispute handlingthis is about Experians fundamental failure to meet its legal obligation to ensure the accuracy of the information it furnishes to third parties. Under 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian has failed to do so.

The accounts currently being reported by Experian contain glaring inaccuracies and irregularities that no reasonable verification process could have missed. The inconsistencies are so blatant that any meaningful review or initial verificationprior to reportingwould have revealed them immediately. The issue is not that Experian failed to correct errors after a dispute ; the issue is that these errors never should have been reported to begin with.

Instead, Experian has chosen to negligently publish and maintain false, incomplete, and misleading datadespite having a statutory duty to ensure accuracy before such information appears on any consumers report. This constitutes a clear and ongoing violation of 15 U.S.C. 1681e ( b ).

Additionally, this conduct violates Ohio Revised Code 1345.02, which prohibits suppliers ( including credit reporting agencies ) from committing unfair or deceptive practices in the conduct of trade. Failing to exercise basic due diligence before damaging a consumers credit profile with unverified and false data meets that threshold. Experian has published materially false information and made it available to third parties without properly validating the accuracy of such data, thereby damaging my reputation and financial standing.

This pattern of misconduct is consistent with findings in the CFPBs ongoing enforcement action against Experian, where the Bureau alleges systemic failures including the acceptance of unreliable and unverified data, dissemination of false information, and a fundamental breakdown in Experians compliance infrastructure.

DEMAND FOR RELIEF : I respectfully request that the CFPB : 1. Immediately investigate Experians negligent data-handling practices and systemic failure to meet the verification standards under 15 U.S.C. 1681e ( b ).

2. Mandate the permanent deletion of all unverifiable and inaccurate accounts currently appearing on my credit file.

3. Impose civil penalties under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent noncompliance.

Experians reckless disregard for its legal duties has caused me direct and measurable harm, including loss of credit opportunities, reputational damage, and emotional XXXX. This agency must be held accountable.

Attached is my last dispute I sent them. 

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