Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Statement of the Case : What 15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information.

This case concerns Experians inaccurate and harmful reporting of a 30-day late payment for the XXXX XXXX ( account : # XXXX issued by XXXX XXXX XXXX for the month of XX/XX/XXXX. Despite substantial supporting documentation submitted by the consumerincluding records of attempted payment, communication with XXXX, and functional issues with XXXX XXXX failed to conduct a lawful, reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ).

Rather than thoroughly reviewing the consumers documentation or forwarding it to the data furnisher, Experian applied an internal and opaque dispute system reliant on XXXX codes. These codes, as confirmed in the Consumer Financial Protection Bureaus lawsuit ( CFPB XXXX Experian, Case No. XXXX ), are often misapplied in a way that misrepresents or oversimplifies the nature of consumer disputes. The result is that furnishers are unable to properly assess or resolve the dispute, and Experian misleadingly concludes that the data is verified or updated without true verification. 

In this case, the disputed late payment continued to be reported, causing demonstrable harm to the consumers XXXX score, reducing access to favorable credit terms, and resulting in measurable emotional and financial damage. Experians conduct reflects systemic violations of the CFPBs findings in its XXXX lawsuit, including : Failure to provide furnishers with all relevant dispute information ( Paragraphs 111112 ) ; Over-reliance on parroted responses from furnishers through the XXXX  system ; Misuse or misapplication of inaccurate dispute codes ; Lack of transparency in the dispute process and the post-investigation results. 

Despite multiple dispute submissions, including attachments and statements, Experian failed to properly correct the error or provide a sufficient method of verification. As a result, this case demonstrates a willful disregard for federal law and consumer rights under the FCRA and the Consumer Financial Protection Act ( CFPA ).

You are hereby placed on formal notice : if this late payment is not removed and my credit file corrected immediately, I will escalate this into arbitration, pursue statutory damages for every FCRA violation youve committed, and seek relief under Experians own terms of use. Your current conduct not only violates federal law it matches the same systemic abuses youve been sued for. 

Disclaimer : A copy of a XXXX XXXX  denial letter is submitted in the following exhibits due to Experian fraudulent reporting.

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