Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint against Experian for its continued and willful violations of the Fair Credit Reporting Act ( FCRA ), failure to perform lawful investigations, deceptive practices, and reporting of inaccurate and unverifiable information. Experian is knowingly damaging my creditworthiness and violating federal statutes through the following misconduct : SUMMARY OF VIOLATIONS 1. Inconsistent and Deceptive Reporting of Account Information XXXX XXXX Experian has reported multiple opening dates, inconsistent account statuses, and differing balances for the same accounts compared to TransUnion and Equifax. 

This constitutes deceptive and misleading practices under the FCRA and violates : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy FTC deceptive reporting standards 2. Failure to Properly Investigate Disputed Items I disputed these accounts as inaccurate, yet Experian failed to conduct a reasonable investigation under : 15 U.S.C. 1681i ( a ) obligating CRAs to reinvestigate disputes promptly and thoroughly Experian continues to parrot unverifiable information from furnishers without independently validating the data. 

XXXX. Illegal Reporting of Charge-Offs Without IRS 1099-C Compliance For my XXXX  XXXX account ( AccouXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the debt was charged off, yet no IRS Form 1099-C was issued, as is required under IRS Regulation 6050P for debts over {$600.00}.

Reporting this charge-off without 1099-C issuance demonstrates Experians failure to validate accuracy before publication.

4. Failure to Block Unverifiable Information ( TRAFFIC BLOCK Request ) Under 15 U.S.C. 1681c-2, I submitted documentation and meet the legal criteria for a fraud/unverifiable data block, yet Experian has not complied within the mandated 4 business days.

5. Illegal Use of Transactional-Only Data to Report Derogatory Items Per 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), payment history or other direct creditor-consumer transactions do not qualify as consumer report data unless third-party intervention exists. 

Experians reporting of late payments where no third-party collection, court action, or legal status change exists violates this standard. 

SPECIFIC ACCOUNTS AND ERRORS A. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I demand debt validation per 15 U.S.C. 1692g ( b ) under the FDCPA : Provide a contract bearing my wet signature obligating me to this debt Provide proof of license to collect in Georgia If not provided, Experian must delete this account per 1681c-2.

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