Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
Summary of Complaint This formal complaint is submitted against Experian for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), codified in 15 U.S.C. 1681 et seq., XXXX XXXX Compliance Standards, and related Texas state laws. Despite clear evidence of inaccuracies in the credit reporting provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and multiple disputes filed, Experian has failed to correct, investigate, or remove false and unverifiable information from my credit report. This negligence has caused significant harm to my financial standing and constitutes clear violations of federal and state laws, as well as industry standards. 

Key Issues Identified XXXX. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ) What Happened : Experian reported false and inaccurate information regarding accounts furnished by XXXX, including inflated balances and utilization rates exceeding 100 %. 
Example : Account Ending in XXXX : Reported balance of {$46000.00} with utilization at 122 %. 
Account Ending in XXXX : Reported balance of {$37000.00} with utilization at 119 %. 
These inaccuracies are demonstrably false and violate XXXX duty to follow reasonable procedures to ensure maximum accuracy. 
When the Law Was Violated : These inaccuracies were reported consistently from XXXX through XXXX, despite ongoing disputes and evidence of errors. 
How the Law Was Violated : Experian failed to implement reasonable procedures to ensure the accuracy of the information it reported, as required under 15 U.S.C. 1681e. 
XXXX. Mishandling of Disputes ( 15 U.S.C. 1681i ) What Happened : I filed multiple disputes with Experian regarding the inaccuracies on my credit report, including disputes submitted in XX/XX/XXXX ( Report XXXX : XXXX ). 
Despite these disputes, Experian failed to correct or remove the inaccurate information. 
When the Law Was Violated : XX/XX/XXXX : Experian closed my disputes without proper investigation, relying solely on unverifiable data furnished by XXXX. 
How the Law Was Violated : Experian failed to investigate the disputes within 30 days and did not correct or delete inaccurate, incomplete, or unverifiable information, violating 15 U.S.C. 1681i. 
XXXX. Reporting Time-Barred Debts ( Texas Civil Practice and Remedies Code 16.004 ) What Happened : Experian reported debts from XXXX that are time-barred under Texas law, where the statute of limitations for debt collection is XXXX  years. 
Example : The last payment on the accounts in question was made in XX/XX/XXXX, making these debts uncollectible after XX/XX/XXXX. 
When the Law Was Violated : Experian continued to report these debts as active charge-offs through XXXX, despite being notified of their time-barred status. 
How the Law Was Violated : By reporting time-barred debts, Experian violated Texas state law under Texas Civil Practice and Remedies Code 16.004 and failed to ensure compliance with the FCRAs accuracy requirements. 
XXXX. Failure to Hold Furnishers Accountable ( 15 U.S.C. 1681s-2 ) What Happened : XXXX furnished false and inaccurate information to Experian, including inflated balances and unverifiable data. 
Experian failed to hold XXXX accountable or verify the accuracy of the data before reporting it. 
When the Law Was Violated : From XXXX through XXXX, Experian continued to accept and report inaccurate data furnished by XXXX despite multiple disputes filed. 
How the Law Was Violated : Experian violated 15 U.S.C. 1681s-2 by failing to ensure that XXXX corrected or removed inaccurate information. 
XXXX. Violation of XXXX XXXX Compliance Standards What Happened : Experian failed to adhere to XXXX XXXX Compliance Standards, which establish guidelines for accurate and consistent credit reporting. 
Examples of violations include : Reporting inflated balances and utilization rates that exceed credit limits, contrary to XXXX XXXX formatting rules. 
Failing to properly code accounts as " disputed '' during active investigations. 
Reporting time-barred debts without proper status updates. 
When the Standards Were Violated : From XXXX through XXXX, Experian consistently failed to comply with XXXX XXXX standards in its reporting of XXXX accounts. 
How the Standards Were Violated : XXXX XXXX requires CRAs to accurately reflect account statuses, balances, and dispute activity. By reporting false balances, failing to mark disputed accounts, and including time-barred debts, Experian violated these industry standards. 
XXXX. Willful and Negligent Noncompliance ( 15 U.S.C. 1681n and 1681o ) What Happened : Experians repeated failure to investigate disputes, correct inaccuracies, and ensure compliance with federal and state laws demonstrates both willful and negligent noncompliance. 
When the Law Was Violated : From XXXX through XXXX, Experian knowingly continued to report false information and mishandled disputes. 
How the Law Was Violated : XXXX actions entitle me to seek actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). 
Complaints Filed Against XXXX XXXX XXXX XXXX ( XXXX ) FTC Complaint ( Report Number : XXXX ) : Filed against XXXX for engaging in unfair, deceptive, and illegal practices, including : Issuing misleading settlement offers with unclear terms. 
Reporting inflated balances and time-barred debts. 
Failing to investigate disputes and correct inaccuracies. 
CFPB Complaint ( Case ID : XXXX ) : Filed against XXXX for failing to comply with XXXX XXXX XXXX Standards and furnishing false credit information. 
Texas Attorney General Complaint : Filed with the Texas Attorney Generals Office regarding XXXX  violations of Texas state laws, including its attempts to collect time-barred debts. 
Requested Actions Immediate Correction of Errors : Remove all inaccurate, incomplete, and unverifiable information from my credit report, including inflated balances and time-barred debts reported by XXXX. 
Full Investigation of Disputes : Conduct a thorough and lawful investigation into the disputes, as required by the FCRA. 
Provide a detailed report of the investigation, including the name of the investigator ( XXXX ) and the methods used to verify the information. 
Accountability for Noncompliance : Hold XXXX accountable for furnishing false information and violating its responsibilities under the FCRA. 
Compensation for Damages : Provide compensation for the harm caused by Experians willful and negligent noncompliance, including damages under 15 U.S.C. 1681n and 1681o. 
Assurance of Compliance : Revise policies and procedures to ensure compliance with federal and state laws, as well as XXXX XXXX standards, and prevent future violations. 
Attachments FTC Complaint ( Report Number : XXXX ) : Evidence of XXXX deceptive practices and Experians failure to act. 
CFPB Complaint ( XXXX XXXX XXXX XXXXXXXX ) : Documentation of ongoing disputes regarding false credit reporting. 
Texas Attorney General Complaint : Details of XXXX violations of state laws and Experians negligence. 
12 CFR Part 1006 : Relevant regulatory guidelines on debt collection practices. 
Credit Reports : Copies showing inaccuracies and Experians failure to correct them. 
Sincerely, XXXX XXXX

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