Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
Subject : XXXX XXXXXXXX XXXX XXXX Failure to Verify and Continued Furnishing of Unverified Account Information in Violation of FCRA Summary of Complaint I am submitting this complaint against XXXX XXXX XXXX XXXXXXXX, and the nationwide consumer reporting agencies ( Experian, XXXX XXXX XXXX  ) for their collective failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding an account that was disputed and legally challenged in XXXX. 

Despite a formal deletion demand submitted by XXXX XXXX XXXX following XXXX XXXX failure to verify the account under FCRA 1681i ( a ), the account continues to be reported derogatorily across all three credit bureaus. This constitutes a willful violation of FCRA standards and has caused ongoing credit suppression and reputational harm.

Violations Cited : FCRA 1681i ( a ) : XXXX XXXX failed to conduct a lawful reinvestigation and provide verification within the statutory timeframe. 

FCRA 1681e ( b ) : The bureaus failed to ensure maximum possible accuracy by continuing to report unverifiable data.

FCRA 1681s-2 ( b ) : XXXX XXXX XXXX XXXX disputed information after receiving notice from both the consumer and legal counsel. 

XXXX XXXX Reporting Violations : The account remains coded as Charge-Off with remarks such as Profit and Loss Write-Off and Account information disputed by consumer, despite no substantiating documentation. 

Supporting Documentation : Cease and Desist letter from Elite Legal Practice ( XXXX ) Experian, XXXX XXXX XXXX  reports dated July 1015, 2025 Prior dispute submissions and reinvestigation requests Account history showing XXXX months of derogatory reporting with no updates since XX/XX/XXXX Legal Precedents & Case Law : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX : The bank agreed to a {$1.00} billion payout to resolve allegations of unauthorized account openings and failure to verify consumer data2. 

XXXX v. XXXX XXXX ( XXXX ) : Class action filed for enrolling consumers in financial products without consent, violating FCRA and state consumer protection laws. 

XXXX XXXX XXXX XXXXXXXX ( XXXX ) : Class action over failure to safeguard consumer data and delayed breach notification, exposing consumers to identity theft. 

Credit Bureau Exposure : CFPB XXXX Experian ( XXXX ) : The CFPB sued Experian for conducting sham investigations and reinserting inaccurate data without proper verification. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Although XXXX  prevailed, the case highlighted the importance of contextual accuracy and the burden of verification under FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Established that bureaus must delete unverifiable information and conduct meaningful reinvestigations under 1681i A copy of this complaint is being sent to Bank Regulators, my FCRA attorney and the Florida Attorney General.

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