Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Request for Deletion of Inaccurate and Unverifiable Collection Accounts To Whom It May Concern : I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding Experians continued reporting of inaccurate, incomplete, and unverifiable collection accounts despite multiple written disputes and requests for verification. 

Experians ongoing publication of inconsistent and unverified data across credit bureaus constitutes a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and a breach of its duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Background and Identity Theft Circumstances For the past ten ( 10 ) years, I have been incarcerated, during which time I was unable to engage in any credit activity. During that period, my personal information was compromised and used in identity theft, likely connected to one or more data breaches. 

Since my release, I have diligently submitted written disputes to Experian requesting deletion or verification of several fraudulent accounts. Experians responses have been inadequate, and no verifiable proof of indebtedness has ever been provided such as a signed agreement, itemized statement, or original creditor documentation. 

The continued presence of these unverifiable collection accounts is causing ongoing harm to my creditworthiness and violates the FCRAs statutory obligations. 

Collection Accounts and Inconsistencies XXXX XXXX XXXX XXXX XXXX XXXX, {$9800.00} Not listed on XXXX ; reported as Collection on TXXXX Unverified and uncorroborated by other bureaus. No signed documentation provided. 

XXXX XXXX XXXX ( Progressive Insurance ) Collection, {$180.00} XXXX  and XXXX list similar amounts but closed ; Experian shows active collection Misreported status and date opened. 

XXXX XXXX XXXX XXXX XXXX XXXX, {$890.00} XXXX XXXX XXXX report same account but with differing dispute resolved notations Conflicting account remarks and reported dates. 

XXXX XXXX XXXX Charge-off, {$460.00} XXXX XXXX XXXX show same charge-off but different dates and statuses Conflicting charge-off reporting and verification. 

XXXX XXXX Closed, Settled Account XXXX : Settled for less than full balance ; XXXX  : Paid/Closed Delinquency and closure date conflicts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 Days Late ; Closed XXXXXXXX XXXX  : Open, {$73.00} past due ; XXXX  : Closed, Paid as Agreed Unverified lateness period ; contradictory status. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late ; Paid XXXX XXXX XXXX  : Paid/Closed ; Experian lists XXXX late history Misreporting of delinquencies. 

XXXX XXXX XXXX XXXX, {$9800.00XXXX XXXX  : Charge-off reported XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Inconsistent charge-off date and balance. 
XXXX XXXX XXXX 60 Days Late ( XX/XX/XXXXXXXX XXXX XXXX  : Paid/Closed ; XXXX : Paid as agreed Experian reports false delinquency. 
Legal Grounds for Deletion Failure to Reinvestigate ( 15 U.S.C. 1681i ) Experian must conduct a reasonable reinvestigation within 30 days of dispute receipt. Its continued reporting without proof of verification constitutes willful noncompliance.

Failure to Assure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Experians inconsistent reporting across bureaus demonstrates a failure to implement reasonable procedures to ensure accuracy. 

Obligation to Delete Unverifiable Information ( 15 U.S.C. 1681c-3 ) Upon notice of identity theft and unverifiable accounts, Experian must block and delete all disputed information that can not be verified. 

Doctrine of XXXX XXXX XXXXXXXX XXXX v. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) Because neither Experian nor its furnishers have produced proof of indebtedness, their continued silence is legally presumed to admit that no enforceable debt exists. 

Unlawful Collection Communications ( 15 U.S.C. 1692c ) I hereby revoke consent for Experian and any data furnishers to contact, report, or otherwise communicate with me regarding these disputed accounts unless proper documentation is provided. 

Requested Action I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians ongoing noncompliance with FCRA standards and compel the following corrective actions : Immediate deletion of all unverifiable and inconsistent accounts listed above. 

Written confirmation of deletion from Experian within 30 days. 

Production of all verification documentation used by Experian in its reinvestigations. 

Prohibition of further reporting of the disputed items to any third party. 

Implementation of procedural reforms to prevent future reinvestigation failures. 


Conclusion Experians actions constitute willful and negligent violations of the Fair Credit Reporting Act. Its continued reporting of fraudulent, unverifiable, and inconsistent information has caused substantial harm to my credit, reputation, and access to financial services. 

I respectfully request that the CFPB enforce full compliance with the FCRA and ensure that all disputed collection accounts are permanently deleted from my Experian credit file. 

Respectfully, 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