Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Product : Credit reporting or other personal consumer reports Issue : Failure to provide verification / inadequate reinvestigation Company : Experian Information Solutions , Inc . 


-- - Complaint Narrative : Re : XXXX XXXX XXXX / Experian Account # XXXX I am filing this new complaint against Experian Information Solutions , Inc. for continuing to report an unverifiable account and refusing to provide proof of verification under the Fair Credit Reporting Act ( FCRA ). 

I previously filed CFPB complaint # XXXX, where Experian claimed the furnisher, XXXX XXXX XXXX , verified the account as accurate. However, Experian has never provided any proof or documentation to support that claim.

If Experian says the furnisher verified the information, then Experian must have received documents showing proof yet none have been provided to me. 

I am not uploading any additional screenshots or attachments. The CFPB and Experian already have the full record under my previous complaint number, and the account number clearly identifies the dispute. 
If the furnisher and Experian believe the account is valid, they should be the ones producing proof not me. 


-- - Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 611 ( a ) ( 1 ) ( A ) Experian failed to conduct a reasonable reinvestigation. Simply repeating what a furnisher says is not reasonable.

2. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Experian failed to provide a description of the procedure used to determine the accuracy of the information.

3. FCRA 611 ( a ) ( 7 ) Experian must provide the method of verification and the name, address, and phone number of the furnisher contacted. They have refused to do so.

4. FCRA 607 ( b ) Experian failed to maintain reasonable procedures to ensure maximum possible accuracy.

5. FCRA 611 ( b ) Information that can not be verified must be deleted. Experian continues to report unverifiable data.

-- - Requested Resolution : Require Experian to produce actual verification documents received from XXXX XXXX ( such as a signed agreement or account statements ). 

If Experian can not provide those records, the account must be deleted immediately under FCRA 611 ( b ).

Require Experian to explain, in writing, the exact method of verification it used to claim this account was accurate.

Regulatory enforcement against Experian for repeated noncompliance with federal consumer protection laws.

-- - Statement to CFPB : Consumers should not be forced to keep sending screenshots and evidence when credit bureaus refuse to show any proof themselves.

The CFPB already has my case history and the account information. If Experian and the furnisher truly verified the account, they should be able to show the evidence they used to verify it.

It is unfair and deceptive for the CFPB to allow these companies to close cases based only on what the furnisher says without requiring proof. 

I request that the CFPB review this matter again and hold Experian accountable for failing to provide documentation and for continuing to report unverifiable information.

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