Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian for multiple, repeated violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681. Despite prior disputes, Experian continues to report inaccurate, incomplete, and unverifiable information on my consumer report which has caused me significant financial, emotional, and personal hardship. Below are the details of the accounts in question, the issues, and relevant laws that have been violated. 
XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$1100.00} | Status : Charge Off * * Issue : This account is being reported as charged off. However, I have repeatedly requested verification of this debt and supporting documents such as the original signed contract, detailed billing history, and the charge-off notice in compliance with FCRA 611 ( 15 USC 1681i ). Experian failed to provide sufficient validation. Additionally, this account does not reflect any good faith effort in providing updated information regarding any payment arrangements, nor does it include a dispute notation under FCRA 1681s-2 ( a ) ( 3 ).

Violation of Law : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i Failure to properly reinvestigate a disputed item FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation upon notice of dispute FCRA 1681c ( a ) ( 4 ) Improper reporting of obsolete information Story : Due to this charge-off, I have been denied credit opportunities, auto financing, and rental housing. This reporting is damaging and misleading, and it is still being furnished without proper validation or documentation. 
XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$3000.00} | Status : Late Payment * * Issue : This account is showing repeated late payments without complete billing history, communication logs, or proper validation. This violates my rights under FCRA 611. I have never received proper notice of the alleged late payments and was not informed of any opportunity to resolve the issue prior to derogatory reporting.

Violation of Law : FCRA 1681e ( b ) Reporting inaccurate, misleading, and outdated information FCRA 1681i Failure to reinvestigate disputed information FCRA 1681s-2 ( b ) Failure to correct and update incomplete or inaccurate information Story : This negative remark continues to damage my credit reputation and credibility with lenders. It has created a false impression of my credit behavior and has directly led to denials for new credit lines and increased interest rates. Despite repeated requests, Experian has refused to provide evidence supporting these late payment allegations. 
XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Balance : {$2300.00} | Status : Late Payment * * Issue : Similar to the previous XXXX  XXXX account, this account reflects multiple late payments without proper documentation, validation, or resolution. I have disputed this entry more than once and have not received any proof, account statements, or correspondence to verify the legitimacy of these derogatory marks. 
Violation of Law : FCRA 1681i Failure to perform a lawful reinvestigation FCRA 1681e ( b ) Continued reporting of unverifiable derogatory items FCRA 1681s-2 ( b ) Lack of response to consumer dispute Story : This derogatory reporting is harming my chances of rebuilding credit. It is also discouraging potential lenders from considering me for responsible credit use. Experian has shown a pattern of negligence in handling consumer disputes. 
XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$20000.00} | Status : Late Payment * * Issue : This account is inaccurately showing late payments that were caused by an administrative error during a COVID-related hardship arrangement. I submitted proof of the agreement with the creditor that my payments would be deferred, yet Experian failed to update or remove the derogatory marks. 
Violation of Law : FCRA 1681c ( a ) ( 5 ) Failure to update the file with correct payment status FCRA 1681e ( b ) Inaccurate information being reported CARES Act Non-compliance with credit reporting accommodations during COVID-19 hardship Story : This is a classic example of misreporting during a declared national emergency. The lender agreed to deferment, and yet Experian chose to ignore that agreement and continued reporting late payments. This unfair practice must be addressed and removed as it directly violates the CARES Act provisions and FCRA accuracy mandates. 
XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Balance : {$5400.00} | Status : Collection * * Issue : This collection account is being reported without proper validation or communication from the original creditor or the collection agency. I requested detailed validation under the FDCPA and FCRA, and Experian failed to provide evidence of this debts legitimacy. Additionally, this collection does not reflect the original creditor, itemization of debt, or a record of attempts to notify me before reporting. 
Violation of Law : FCRA 1681b Furnishing a report without permissible purpose FCRA 1681i No investigation conducted after dispute FDCPA 809 Failure to validate debt FCRA 1681e ( b ) Failure to ensure accuracy Story : This account does not belong to me. I have no record of any agreement with XXXX XXXX XXXX, and the reporting is fraudulent and unsupported. This false entry has significantly impacted my creditworthiness and has caused me denial of apartment applications, insurance rate hikes, and psychological stress. 
Final Statement : Experian has demonstrated a gross pattern of negligence, non-compliance, and disregard for federal consumer protection laws. These continued violations of FCRA, along with Experians failure to conduct meaningful investigations or remove unverifiable accounts, has directly impacted my financial stability and livelihood. I am requesting the CFPB to take immediate action and conduct a thorough investigation into Experians practices regarding my credit file. 
I am also requesting that the accounts listed above be fully deleted or corrected per federal law, and that Experian be held accountable for willful non-compliance.

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