Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As of today, Experian has failed to take the appropriate corrective action, violating multiple provisions of the **Fair Credit Reporting Act ( FCRA ) ** and other consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX  Unlawful Reporting of a Canceled Debt** I provided documentation from XXXX XXXX confirming that my debt was canceled in XXXX XXXX. Under **15 U.S. Code 1681i**, Experian is required to conduct a proper reinvestigation and remove any inaccurate or unverifiable information within 30 days. Instead, Experian falsely claimed that the debt was validated, yet failed to provide any legal proof of verification.

Additionally, Experian has violated : - **15 U.S. Code 1681b** Unauthorized use of my credit information, as the debt no longer exists.

- **15 U.S. Code 1681e ( b ) ** Failure to maintain maximum possible accuracy by reporting a debt that has been canceled.

- **15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ** The creditor, XXXX XXXX, is legally prohibited from reporting a debt that has been canceled and written off, yet Experian continues to publish it.

- **15 U.S. Code 1681n & 1681o** Willful and negligent noncompliance with FCRA, as Experian has continued reporting false information despite being notified with evidence.

The continued presence of this account on my credit file has resulted in me being **denied credit**, causing **financial harm**. Experian is knowingly reporting an account that was legally canceled, which constitutes **defamation and negligence** under consumer protection laws.

# # # **Bankruptcies Fraudulent and Unverified Reporting** Additionally, my report includes **bankruptcies** that I successfully disputed with XXXX and XXXX using **a letter from the courthouse** confirming they did not report these records. Since **Experian has failed to provide proof of how these bankruptcies were verified**, they are in violation of : - **15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ** Failure to reinvestigate and remove unverified information.

- **15 U.S. Code 1681e ( b ) ** Failure to maintain accuracy, as Experian has continued reporting false bankruptcy records despite court confirmation that they did not originate from the courthouse.

- **15 U.S. Code 1681n & 1681o** Willful and negligent noncompliance by knowingly reporting unverifiable and inaccurate bankruptcy records.

As of today, Experian has failed to take the appropriate corrective action, violating multiple provisions of the **Fair Credit Reporting Act ( FCRA ) ** and other consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX Unlawful Reporting of a Canceled Debt** I provided documentation from XXXX XXXX confirming that my debt was canceled in XXXX XXXX. Under **15 U.S. Code 1681i**, Experian is required to conduct a proper reinvestigation and remove any inaccurate or unverifiable information within 30 days. Instead, Experian falsely claimed that the debt was validated, yet failed to provide any legal proof of verification.

Additionally, Experian has violated : - **15 U.S. Code 1681b** Unauthorized use of my credit information, as the debt no longer exists.

- **15 U.S. Code 1681e ( b ) ** Failure to maintain maximum possible accuracy by reporting a debt that has been canceled.

- **15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ** The creditor, XXXX XXXX, is legally prohibited from reporting a debt that has been canceled and written off, yet Experian continues to publish it. 
- **15 U.S. Code 1681n & 1681o** Willful and negligent noncompliance with FCRA, as Experian has continued reporting false information despite being notified with evidence.

The continued presence of this account on my credit file has resulted in me being **denied credit**, causing **financial harm**. Experian is knowingly reporting an account that was legally canceled, which constitutes **defamation and negligence** under consumer protection laws.

# # # **Bankruptcies Fraudulent and Unverified Reporting** Additionally, my report includes **bankruptcies** that I successfully disputed with XXXX and XXXX using **a letter from the courthouse** confirming they did not report these records. Since **Experian has failed to provide proof of how these bankruptcies were verified**, you are in violation of : - **15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ** Failure to reinvestigate and remove unverified information.

- **15 U.S. Code 1681e ( b ) ** Failure to maintain accuracy, as Experian has continued reporting false bankruptcy records despite court confirmation that they did not originate from the courthouse.

- **15 U.S. Code 1681n & 1681o** Willful and negligent noncompliance by knowingly reporting unverifiable and inaccurate bankruptcy records.

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