Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
XX/XX/year>XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington , DC XXXX Subject : Formal Complaint Against Experian for FCRA and FDCPA Violations Dear CFPB Representative, I am writing to formally lodge a complaint against Experian, for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated good-faith efforts to dispute and correct these accounts, I have encountered continued harm, negligence, and willful noncompliance from the parties involved. 1. Misleading Reporting of Charged-Off Accounts as Continuously Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX are all reporting accounts as charged off while still marking them as past due each month. This is both factually incorrect and legally deceptive, in violation of : FCRA 1681e ( b ) Duty to ensure maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty not to furnish inaccurate information FDCPA 807 Prohibition on false or misleading representations A charged-off account is closed and can not accrue ongoing delinquencies. This inaccurate reporting has severely damaged my credit score and misrepresents my financial status to potential creditors and employers. XXXX. XXXX XXXX and XXXX XXXX XXXX Reported Late Despite Being Current ( As of XX/XX/year> ) As of XX/XX/year>, all three XXXX  XXXX accounts and my XXXX XXXX XXXX account are inaccurately showing monthly late payments even though all accounts are paid on time and in good standing. This violates : FCRA 1681e ( b ) Inaccurate and outdated data FCRA 1681i ( a ) Failure to conduct a proper reinvestigation This reporting has negatively affected my access to new employment, credit approvals, and stable housingdespite my proven efforts to remain current and responsible. 3. Personal Identity Compromised Identity Theft & Inaccurate File Data I am a victim of identity theft stemming from the Experian data breach, which resulted in : Unauthorized inquiries that I did not initiate ( FCRA 1681b ) Incorrect names, aliases, outdated addresses, and employer info reporting to my file I have requested corrections multiple times, yet Experian continues to retain false and unverifiable personal information, in violation of : FCRA 1681g Right to correct personal file FCRA 1681c Duty to ensure obsolete or incorrect personal data is removed 4. Experians Willful Negligence Refusal to Reflect Positive Credit Improvements Experian has repeatedly failed to update positive changes to my credit file, including newly established good payment history. Their intentional delay or refusal to update accurate information has caused : Employment rejections Loss of housing opportunities Higher interest rates or denied credit applications These practices are unfair, harmful, and violate my rights under federal consumer law. Despite multiple disputes and good-faith attempts to resolve these issues, Experian and the data furnishers continue to fail in their statutory obligations. Their inaction and negligence have caused me real and measurable harm. I trust the CFPB will act swiftly to restore fairness and accuracy to my credit report. Thank you for your time and for protecting the rights of consumers like myself.

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