Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
Experian Is Willfully Engaging in Deceptive, Illegal Reporting Practices Urgent Regulatory Action Required I am filing this complaint to expose and formally report Experians ongoing, willful violations of the Fair Credit Reporting Act ( FCRA ) and its deliberate conspiracy with XXXX XXXX XXXX to report fraudulent, harmful, and unverifiable information on my credit report. 

Despite my prior direct disputes and the certified legal notice I have already sent, Experian continues to knowingly report false payment entries and refuses to provide any legitimate documentation or method of verification as required under federal law. 

Specific Violations and Illegally Reported Information : Fraudulent Payments Reported : Experian is knowingly reporting a {$150.00} payment allegedly made on XX/XX/year> and a {$570.00} payment allegedly made on XX/XX/year>, both of which I have never made. 

Experian has failed to provide any verifiable proof of these payments and continues to rely solely on the word of the furnisher, in violation of FCRA 611 ( a ) ( 7 ).

Falsified Payment History with No Balance Adjustment : Even after these supposed payments, the account balance remains completely unchanged at {$15000.00}, proving this payment history is fabricated. This is a blatant violation of FCRA 607 ( b ), which mandates maximum possible accuracy in consumer reporting.

Illegal Reporting Post Charge-Off : The account was charged off in XX/XX/year>, yet Experian continues to report fraudulent payments made after the charge-off, further misleading creditors and intentionally damaging my creditworthiness. 

Other Credit Bureaus Have Corrected This Error Experian Refuses : XXXX  reviewed the same account and promptly removed it from my report as unverifiable. 

Experians refusal to take the same corrective action strongly suggests a coordinated effort with XXXX XXXX to unlawfully damage my credit profile and coerce payment through reputational harm. 

Experians Conduct Constitutes the Following : Gross Negligence and Willful Noncompliance with the FCRA. 

Intentional Infliction of Financial Harm through knowingly false reporting.

Deceptive and Unfair Business Practices under federal consumer protection laws.

Credit Defamation, causing me significant difficulty in obtaining credit, financial services, and other life necessities. 

Immediate Regulatory Intervention Is Required I demand that the CFPB : Initiate a Full Investigation into Experians Pattern of Willful Noncompliance and Collusion with Data Furnishers.

Compel Experian to Provide Full Verification Documentation or immediately remove the fraudulent account information.

Hold Experian Accountable for All FCRA Violations and Consumer Harm Caused.

I have already sent a certified legal dispute letter to Experian and will not hesitate to pursue litigation under FCRA 616 and 617 for statutory, actual, and punitive damages. 

This matter is critical and requires urgent regulatory action. 


Furthermore, as a direct consequence of Experians false and defamatory reporting, I have suffered substantial financial harm. I have experienced credit denials from multiple major lenders, and in cases where credit was extended, I was subjected to exorbitantly high interest rates that would not have applied but for Experians willful misreporting. This false reporting has actively obstructed my ability to secure essential financial services, including housing stability and affordable transportation financing. The ongoing damage to my credit profile is not theoretical, it is a real and present hardship that affects my daily life and financial security. 

If this matter is not promptly and fully resolved, I am prepared to escalate this issue publicly through media outlets and prominent consumer protection platforms to expose Experians reckless disregard for federal law and consumer rights. Experians actions are not isolated ; there is a well-documented history of systemic noncompliance and repeated violations of the FCRA, resulting in substantial regulatory penalties in the past. I respectfully urge the CFPB to take decisive enforcement action against Experian in this case, as this behavior represents a clear pattern of abuse that should not go unpunished. The failure to act now risks emboldening Experian and similarly situated companies to continue placing consumers in financial jeopardy through illegal and unethical reporting practices.

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