Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Complaint Against Experian Willful Noncompliance and Sham Investigations To Whom It May Concern, I am writing to file a formal complaint against Experian for persistent and willful violations of the Fair Credit Reporting Act ( FCRA ) and for their systemic failure to conduct good-faith investigations into multiple disputes I have submitted regarding inaccurate, outdated, and unverifiable information on my credit report.

Despite submitting disputes backed by legal citations and documented evidence, Experian has failed to correct, remove, or properly investigate these errors. Even worse, in several cases, Experian has reinserted previously deleted accounts without proper notification or substantiation, a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

Below is a partial list of the inaccurate and improperly handled accounts I have disputed with Experian : XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Violates : 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Violates : 15 USC 1681c-2 ( a ) XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX Violates : 15 USC 1681i ( 5 ) XXXX  Account : XXXX XXXX XXXX XXXX XXXX Violates : 15 USC 1681i ( 7 ) XXXX  Account : XXXX XXXX XXXX XXXX XXXX Violates : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Violates : 15 USC 1681m XXXX Account : XXXX XXXX XXXX XXXX XXXX Violates : 15 USC 1681a ( 2 ) ( i ), 1681b XXXX Account : XXXX XXXX XXXX Violates : 15 USC 1681XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX  Violates : 15 USC 1692j XXXX Account : XXXX XXXX XXXX XXXX XXXX Violates : FCRA Section 605B, 1681n, 1692XXXX XXXX XXXX Account : XXXX XXXX XXXX Violates : 15 USC 1681n XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Violates : 15 USC 1681a ( 2 ) ( i ) I have made multiple good-faith efforts to resolve these matters directly with Experian, but my disputes have been met with template responses, unexplained rejections, or no meaningful investigation at all, which appears to be consistent with Experian 's documented and fraudulent dispute-handling practices as alleged in the recent CFPB lawsuit.

This is not just negligentit is deliberate misconduct, and it is severely impacting my access to credit, employment opportunities, and housing.

I Demand : An immediate and thorough investigation into Experians handling of my disputes.

Enforcement action against Experian for their clear pattern of FCRA violations.

Immediate removal of the inaccurate items listed above, with supporting documentation required for any account left on file.

Please confirm receipt of this complaint and advise me of any next steps required on my part.

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