Consumer complaint received 2025-08-04 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: AR

Complaint narrative:
Experian is not conducting proper investigations into the disputes im filing. Because the evidence Im presenting is clear. I have uploaded my lease, which shows Ive been at the same address since XXXX. My drivers license, which shows Ive been at the same address as well. I have disputed the same XXXX XXXX account, 3 times now for fraud. The XXXX XXXX account was open and sent to an address in XXXX, TN, it was also opened online. I have contacted XXXX XXXX numerous times, and I get agents located in another country, the agents dont know who to transfer me to, and are not educated on proper procedures with fraud and identity theft cases. Therefore, I went to Experian with all of my evidence, lease agreement, drivers license, bank statements, credit card statements, all showing my current address, and that I live in a completely different state. Yet, Experian deletes it, and then allows XXXX XXXX to resubmit it back to my credit report. I am requesting the documents used to make this decision, and for the CFPB to review the documents used in the investigation. Under FCRA 605B, the XXXX XXXX account should be blocked and remain blocked. Second, My XXXX XXXX XXXX account shows a late payment in XXXX of XXXX. I have contacted XXXX several times and have received contradictory information. XXXX goes from accepting responsibility for the late payment, to refusing to accept responsibility for the late payment. In XXXX of XXXX, A pay-off check was issued to XXXX, which was to take care of the entire balance of the car. However, XXXX said they received the check, therefore I didnt send any payment in the month of XXXX. XXXX has since said it was my fault, then took responsibility, then again said it was my fault. I called and talked to their manager XXXX, who said the late payment was removed, just to speak to another representative who said the late payment would not be removed. I have been asking Experian to hold XXXX accountable. In XXXX I filed a XXXX  report, against XXXX and a representative reached out named XXXX, and said the late payment would be removed. Even with written email correspondence saying they would. Despite this, the XXXX has failed to honor their written commitment, and the late payment remains on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that this information be corrected and and updated immediately, as the current reporting is not only inaccurate but also violates my rights as a consumer under FCRA. This also violates Breach of Contract or Promissory Estoppel, an agreement was made, and later broken. Also since they put it in writing, that is an acknowledgment of an error or incorrect, and XXXX failing to update it breaks XXXX Codes 1681s-2. Where a furnisher must provide accurate and complete information, 2 ). Update and correct any information that is found to be incorrect. I am asking for Experian to review my evidence and the information XXXX wrote in the email to me, which shows an acknowledgment of an error, and an acknowledgment to correct it.

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