Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
Regarding : Formal Complaint Against Experian ( Credit Reporting Agency ) Subject : Failure to Conduct Reasonable Reinvestigation and Deletion of Inaccurate, Incomplete, and Unverifiable Items ( FCRA 611, 609 ) Dear Consumer Financial Protection Bureau : I am submitting this formal complaint regarding the failure of the consumer reporting agency, Experian, to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to properly investigate and remove inaccurate, incomplete, and unverifiable information from my consumer report.

Background of Dispute : 1. Date of Initial Dispute : On or about XX/XX/2025, I reached out and also on XX/XX/2025 I sent a certified letter to Experian ( XXXX XXXX XXXXXXXX, XXXX, TX XXXX ). I included copies of my identifying documents and a comprehensive list of items I formally disputed under FCRA 602, 609, 611, and 623.

2. Disputed Items : The disputed items are extensive and include collections, a charge-off, late payment history, and numerous hard inquiries. The specific accounts disputed due to inaccurate or unverifiable reporting were : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late Payments, Acct Ending XXXX ) All Hard Inquiries Lacking Permissible Purpose Nature of the Complaint ( Experians Non-Compliance ) : Despite my clear, documented request for a reasonable reinvestigation and full Method of Verification ( MOV ) under FCRA 611, Experian failed to meet its obligations .

Failure to Conduct Reasonable Reinvestigation : Experian did not provide evidence of a meaningful reinvestigation. FCRA requires a credit reporting agency to use due diligence to verify the information. For items like the XXXX XXXX account, which requires chain-of-title documentation, simply confirming the account with the furniture creditor is not sufficient. The bureaus must verify the debt 's legal ownership and accuracy of the underlying data. 
Failure to Delete Unverifiable Data : Since Experian has been unable or unwilling to provide the necessary documentation ( such as the original contract, payment history, and legal assignment documents, as requested under FCRA XXXX ), these items must be considered unverifiable and should have been permanently deleted from my report. Their continued reporting of these items is damaging and constitutes an ongoing violation of my rights. 
Requested Resolution : I request that the CFPB intervene and compel Experian to : XXXX. Immediately delete all items detailed in my initial dispute letter which could not be supported by full, verifiable source documentation, including all accounts listed above. 
2. Provide me with the full Method of Verification ( MOV ) for all remaining disputed items, detailing the name of the person contacted, the specific records reviewed, and the steps taken to verify the accuracy and completeness of the data, as required by law.

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