Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Summary of Complaint XXXX XXXX failed to provide required documentation related to my credit card account, refused to properly investigate my dispute, reported inaccurate information to credit bureaus, and continued furnishing negative information that is unverifiable. These actions violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s2 and established federal case law. 

Details of the Issue In XX/XX/XXXX, I placed a lock on my XXXX XXXX credit card, which should have prevented any new transactions. Shortly afterward, I was incarcerated and did not have access to my card or my account. When I was released, my account balance was significantly higher than expected.

A collection agent later contacted me and demanded payment of over {$1000.00} as a settlement. I paid it in full. Despite this, XXXX XXXX has reported negative information on my credit report, including late payment and settlement notations. 

I submitted a formal written request to XXXX XXXX demanding : A complete transaction history from XX/XX/XXXX through the date the account was closed.

The card lock log, showing dates, duration, and attempted use.

Proof of how XXXX XXXX calculated the debt prior to sending it to collections. 

Documentation of payments made to the collection agency. 

Verification supporting all negative credit reporting. 

XXXX XXXX failed to provide these records. Without these records, the accuracy of the information being reported to credit bureaus can not be verified, and the continued reporting violates FCRA. 

How This Violates Federal Law XXXX XXXX conduct violates multiple FCRA provisions : 1. Failure to conduct a reasonable investigation 15 U.S.C. 1681s-2 ( b ). 
XXXX XXXX did not investigate or verify the disputed information despite my written dispute.

2. Reporting inaccurate or unverifiable information 15 U.S.C. 1681s-2 ( a ). 
XXXX XXXX continues to report late payments and settlement data even though the underlying transactions remain unverified.

3. Failure to provide documentation used in credit reporting.

Under FCRA and related case law, furnishers must be able to substantiate negative information.

Supporting Case Law I cite the following federal appellate decisions, which clearly define furnishers duties : XXXX v. Experian ( XXXXXXXX XXXX ) The Third Circuit held that a furnisher can not refuse to conduct an investigation by labeling a consumer dispute as frivolous. Once notified of a dispute, investigation is mandatory. 

Fourth Circuit ( XXXX precedent ) The Fourth Circuit ruled that disputes involving objectively and readily verifiable information must be investigated by furnishers, rejecting the notion that legal issues excuse compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The court held that an FCRA plaintiff may proceed where information furnished is inaccurate or materially misleading, meaning it can adversely affect credit decisions. Negative reporting without proof of legitimacy meets this standard. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX precedent, information is actionable under FCRA if it is patently incorrect or materially misleading. Reporting late payments based on unverified transactions fits this test. 

FTC and CFPB joint findings ( amicus briefs, XXXX ) Regulators have stated that furnishers must investigate and can not dismiss consumer disputes by claiming they involve legal questions. 

Harm Suffered XXXX XXXX failure to investigate, failure to provide documentation, and inaccurate reporting have harmed my creditworthiness, caused credit score reduction, and created long-term financial consequences. I can not correct these issues without the documentation XXXX XXXX is withholding.

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