Consumer complaint received 2025-02-01 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: DE

Complaint narrative:
I am writing to express my absolute outrage regarding Experians ongoing failure to conduct reasonable investigations into my past complaints and your gross negligence in allowing creditors to verify information without conducting a thorough review. As a credit reporting agency, you are legally required to ensure that the information reported is accurate and complete, and it is beyond unacceptable that you have failed to do so repeatedly. 

It is clear that you have allowed creditors to essentially self-report and self-verify their claims without ever taking the time to verify the facts or investigate the discrepancies in the data. Your failure to properly scrutinize these reports demonstrates a blatant disregard for the legal obligations imposed upon you under the Fair Credit Reporting Act ( FCRA ). It is your responsibility, not the creditor 's, to ensure maximum accuracy on credit reports. You can not simply take a creditors word that an account is accurate without verifying the underlying facts and supporting documentation. 

Take the following accounts as glaring examples of your incompetence : XXXX XXXX Account This account shows enormous discrepancies in the reporting of the date of last activity across all three credit bureaus. This is a clear violation of your responsibility to ensure that information is accurate. Furthermore, this account remains open despite almost five years of non-payment. By law, this account should have been charged off within 180 days of missed paymentsnot only to protect consumers but also to limit the potential for creditors to manipulate reporting. Failing to charge off this account within the required time frame allows XXXX XXXX to restart the clock on reporting, essentially giving them a new 7-year reporting period. This is a blatant manipulation of the system that Experian is allowing to happen. How can you justify permitting such an abuse? 

I have raised this issue repeatedly, but you continue to merely ask the creditor if the information is accurate, instead of actually conducting an investigation into the facts. This is illegal under FCRA guidelines, as you are required to ensure the accuracy of the information yourselfnot just passively defer to the creditors statements. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account There is an account listed with XXXXXXXX XXXX  for an alleged debt with XXXX XXXX XXXX. I have never had any dealings with XXXX XXXX and have no obligation to pay them. They can not provide the legally required documentation that proves they legally purchased this debt. Furthermore, there is no contract in place between me and XXXX XXXX XXXX to establish my commitment to the debt. Despite this, you verified this information in as little as 24 hours. How is it possible for XXXX XXXX to prove this debt when they have no documentation? How can XXXX XXXX verify this debt when they have no legal right to collect it? 

This is fraudulent and violates multiple laws, including the FCRA and the FDCPA. How can you, Experian, in good faith allow such blatant fraud to persist on a consumers credit report? Are you seriously allowing creditors to provide false and misleading information without any verification or documentation? This is unacceptable and needs to be immediately addressed.

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