Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
CFPB Complaint Against Experian Your Information : Name : XXXX XXXX Address : ( XXXX XXXX XXXX XXXX, MI XXXX ) Date of Birth : XXXX Complaint Type : Issue with incorrect information on my credit report Complaint Details : I am filing a complaint against Experian for failing to correct multiple errors in my credit report, despite my formal disputes. These errors have negatively impacted my credit score and financial opportunities. The following are key issues : 1. Unresolved Dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ( original balance : {$20000.00}, charge-off of {$22000.00} ) was sold to XXXX XXXX XXXX XXXX XXXX 
Experian marked my dispute as Completed investigation - consumer disagrees, but the account remains on my record incorrectly. 
I believe Experian failed to properly investigate my dispute, violating FCRA 611 ( a ) ( 1 ) ( failure to conduct a reasonable investigation ).

2. Unfair Reporting of Closed Accounts Several of my accounts ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) were closed at the credit grantors request. 
These closures appear to be negatively impacting my creditworthiness. Experian should provide a proper explanation or remove these remarks if they are inaccurate. 
3. Failure to Remove or Correct Outdated Information Some accounts, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, were disputed and updated in XX/XX/XXXX. 
Despite these updates, Experian did not correct the inaccurate information. 
If Experian failed to properly investigate, this is a violation of FCRA 611 ( a ) ( 5 ) ( requirement to delete or modify incorrect information ).

4. Failure to Remove Negative Items Beyond the Allowed Timeframe Some closed accounts are still listed with long on record until dates ( e.g., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX 
If these accounts should no longer appear due to the 7-10 year rule, Experian is in violation of FCRA 605 ( a ). 

How This Has Harmed Me : These errors have lowered my credit score, making it harder to get loans and financial opportunities. 
The unresolved XXXX XXXX XXXX XXXX charge-off is falsely making it look like I have a major unpaid debt, affecting my financial standing. 
I have spent time and effort disputing these errors with Experian, but they failed to correct them, forcing me to escalate this complaint. 

What I Want Experian to Do : Immediately remove the XXXX XXXX XXXX XXXX charge-off if it is inaccurate. 
Investigate and remove all closed accounts that were reported unfairly. 
Delete any outdated negative items that should no longer be on my report. 
Provide proof of proper investigations into my past disputes. 

I request the CFPB to investigate Experian for these FCRA violations and take necessary action.

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