Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I, XXXX XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, MI XXXX, hereby file a formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ). Experian failed to respond within the XXXX period mandated under FCRA ( 15 U.S.C. 1681i ) to my credit dispute, and it has not corrected or removed multiple inaccurate and derogatory accounts on my credit report. This lack of action is unacceptable and has resulted in ongoing harm to my credit. I assert that Experians inaction and reporting practices violate federal law, as detailed below. Disputed Accounts ( Unresolved and Unverifiable ) : Experian continues to report several accounts that I previously disputed as inaccurate or unverifiable, yet no corrections or deletions have been made. 

For example : XXXX XXXX ( XXXX ) A charged-off account is still being reported on my Experian file without proper verification. I contested this XXXX account as fraudulent or inaccurately attributed to me, yet Experian has neither provided evidence of its validity nor removed this derogatory item. This charged-off account lacks any proof ( no signed contracts or account statements ) tying it to me, yet it remains on my report, severely damaging my credit. 

XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX ) Experian is reporting a XXXX XXXX credit card with severe late payment notations ( XXXX, XXXX, 90 days late ) that are patently incorrect. I was never delinquent to that extent on this account. I disputed these false late payments over a month ago, but Experian failed to complete a reinvestigation within 30 days and left the erroneous late marks intact. The only change was a notation dispute resolved consumer disagrees, which is not a resolution at all. This account remains falsely derogatory, indicating Experian did not ensure maximum accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX ) Experian also reports a XXXX XXXX secured loan as Paid, was 30 days late, which is incorrect. I was never 30 days late on that loan. Despite my dispute providing this information, Experian did not remove or fix the false late payment. The continued presence of this inaccurate status shows Experians failure to correct known errors. 

XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX account appears with a past-due balance and derogatory remarks that lack verification. I challenged this entry as potentially fraudulent or inaccurately reported ( as I suspect it may stem from identity theft or reporting error ). Experian has not provided any proof bearing my signature or authorization to substantiate this debt, yet the negative item remains on my report. This is a clear case of unverified information that should have been deleted under the FCRAs dispute process. 

XXXX failure to properly investigate and address these disputed accounts within 30 days has violated my rights under multiple provisions of the FCRA : Failure to Reinvestigate ( 15 U.S.C. 1681i ) : Experian did not complete a lawful reinvestigation of the disputed items within the required XXXX timeframe. My initial dispute was submitted well over a month ago ( with a follow-up second round dispute letter sent on XX/XX/year> ), yet Experian has not issued any results or updates. This blatant disregard of the FCRAs timeline violates Section 611 of the FCRA, 15 U.S.C. 1681i.

Failure to Assure Accuracy ( 15 U.S.C. 1681e ( b ) ) : Experian is obligated to use reasonable procedures to ensure maximum possible accuracy of the information it reports. Continuing to report the above inaccurate accounts ( the erroneous charge-off and late payments ) shows a breach of this duty. By leaving unverified, incorrect data on my credit file, Experian has not met the standard of accuracy required by 1681e ( b ).

Failure to Delete Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : Under FCRA 1681i ( a ) ( 5 ), if information can not be verified as accurate, the credit bureau must delete it. Experians persistence in reporting these unverified accounts ( the XXXX charge-off and others ) is a direct violation of 15 U.S.C. 1681i ( 5 ). Despite my disputes, Experian has not removed the items that it can not substantiate, which the law clearly requires it to do.

Allowing Furnisher Non-Compliance ( 15 U.S.C. 1681s-2 ( b ) ) : The furnishers of these accounts ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) apparently failed to conduct a proper investigation and correct their information after being notified of my dispute. By not correcting or deleting the information, Experian is effectively abetting the furnishers violation of 15 U.S.C. 1681s-2 ( b ), which mandates furnishers to investigate and rectify disputed information. Experians inaction in the face of the furnishers failure means the false data remains, to my detriment, in violation of the FCRAs intent.

Because of Experians violations and negligence, I am suffering ongoing harm. My credit score and reputation are being unjustly tarnished by derogatory, false information that should not be there. I have been denied credit opportunities and face higher costs ( interest rates ) due to these wrongful entries. It is egregious that Experians lack of compliance with federal law continues to damage my financial standing and peace of mind.

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