Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. ( Experian ) for deliberate misrepresentation, willful noncompliance, and obstruction of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Experians handling of my Experian credit report demonstrates systemic abuse : false information, bad-faith verifications, and procedural barriers.

I. False and Misleading Data on My Experian Credit Report Experian continues to publish inaccurate and damaging information regarding my Affirm accounts : False Delinquency My Experian credit report shows a 30 days late payment history. This is false. My payments were timely, and I uploaded proof. 

False Balances Experian shows balances owed even though the accounts were paid in full on XX/XX/XXXX, [ XXXX ]. 

Fabricated Dates Experian lists identical and incorrect payment due dates inconsistent with Affirms own records. 

These errors materially damage my credit reputation. 

XXXX. Impossible and Contradictory Timeline of Dispute Investigations The attached email chain proves Experian is not conducting a reasonable reinvestigation as required by law : XX/XX/2025, XXXX XXXX Experian emailed me : Your dispute is completed. ( Report # XXXX ). 

XX/XX/2025, XXXX XXXX XXXX minute later : Were just about done. This contradicts the prior completed claim. 

XX/XX/2025, XXXX XXXX Another email : Your dispute results are ready with a different report number. 

XX/XX/2025, XXXX XXXX  Email : Your disputes are now open and may take up to XXXX  days. 

XX/XX/2025, XXXX XXXX Barely XXXX hours later : Your dispute is completed again ( Report # XXXX ). 

XX/XX/2025, XXXX XXXX XXXX minutes later : Were just about done again, contradicting completion. 

XX/XX/2025, XXXX XXXX Another results ready email with yet another report number. 

This sequence is logically and legally impossible. Experian can not open a dispute at XXXX XXXX and claim it is completed XXXX hours later. Under the FCRA, 1681i, consumer reporting agencies have 30 days to reinvestigate disputes ( with a limited XXXX extension if new evidence is provided ) law.cornell.edu. The CFPB also confirms that agencies generally must investigate within 30 days and notify consumers within XXXX business days after completion consumerfinance.gov. 

Experians emails, some issued minutes apart and with conflicting statuses, prove no genuine reinvestigation occurred. Instead, the system generated perfunctory completed notices, rubber-stamping the erroneous data as verified. 

XXXX. Obstruction of the Dispute Process Experian further obstructed my statutory rights by : Sending dispute links that do not function, regardless of browser. 

Conditioning the ability to dispute online on the purchase of an Experian membership. This is unlawful ; my FCRA rights are not for sale. 

IV. Conflict with Furnisher ( XXXX ) XXXX directed me to send screenshots of Experians false reporting to their support team. This shows XXXX itself had no knowledge of or agreement with Experians so-called verification.

V. Violations of Law Experians conduct violates : 15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( c ) : Failure to note the ongoing dispute in my file.

15 U.S.C. 1681n : Willful noncompliance, given Experians admitted system glitch.

VI. Relief Requested I request that the CFPB compel Experian to : Remove all false late payment notations and incorrect balances from my Experian credit report.

Provide written confirmation of corrections.

Conduct a compliance review of Experians dispute practices, including the sham verification process.

Conclusion The emails I received are self-proving evidence that Experian is rubber-stamping disputes within hours, in flagrant violation of federal law. The FCRA requires a reasonable reinvestigation within XXXX  daysnot contradictory, system-generated emails arriving minutes apart. This practice is reckless, systemic, and unlawful. 

I respectfully request that the CFPB hold Experian accountable and compel immediate corrective 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