Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate my disputes and continues to report inaccurate, outdated, or unverifiable information. 
Failure to properly investigate disputes ( FCRA 611 ) Experian has failed to conduct a meaningful investigation, reinserting unverifiable accounts without proof.

Failure to provide timely responses ( FCRA 1681i ) They did not complete my dispute within 30 days, nor did they provide written updates.

Reporting false information ( FCRA 1681s-2 ( b ) ) Accounts previously disputed and closed have now been illegally reopened as active accounts. 
Ignoring Consumer Protection Laws CFPB Lawsuit Evidence The CFPB is already suing Experian for this exact behavior, proving a pattern of noncompliance. 
I DEMAND immediate deletion of ALL accounts Experian failed to verify properly. I am prepared to escalate this further if needed. 
Accounts Involved : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX ) Balance : {$5900.00} Status : Open Reported by : XXXX, Experian ( Closed ), XXXX Violation : Continued reporting without validation, failure to investigate properly XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX Bank XXXX. ) Balance : {$700.00} Status : Open Reported by : XXXX, Experian ( Closed ), XXXX Violation : Illegally collecting on a charged-off debt without proof of ownership XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Balance : {$680.00} Status : Open Reported by : XXXX Violation : Failure to provide proper verification and continued reporting XXXX. XXXX XXXX ( Original Creditor : Music and Arts ) Balance : {$980.00} Status : Closed Reported by : Experian Violation : Account was previously disputed but remains unverifiable XXXX. XXXX XXXX Balance : {$1300.00} Status : Closed Reported by : XXXX, Experian, XXXX Violation : Failure to validate the account, illegal continued reporting Charge-Off Accounts ( To be included in CFPB complaints & dispute letters for removal ) XXXX. XXXX XXXX. 
Balance : {$2500.00} Status : Open ( XXXX ), Closed ( XXXX & Experian ) Violation : Responded to dispute via email ( Illegal - FCRA XXXX ), failure to verify account XXXX. XXXX XXXX XXXX  ( Account XXXX ) Balance : {$1000.00} Status : Open ( XXXX ), Closed ( XXXX & Experian ) Violation : Account was previously closed but falsely reported as open XXXX. XXXX XXXX XXXX  ( Account XXXX ) Balance : {$590.00} Status : Open ( XXXX ), Closed ( XXXX & Experian ) Violation : Account was previously closed but falsely reported as open XXXX. XXXX XXXX XXXX  XXXX XXXX : {$290.00} Status : Closed Reported by : XXXX, Experian, XXXX Violation : Reporting of account as a charge-off after resolution XXXX. XXXX XXXX XXXX 
Balance : {$170.00} Status : Closed Reported by : XXXX, Experian, XXXX Violation : Reporting of account as a charge-off after resolution XXXX. XXXX Balance : {$0.00} Status : Closed Reported by : XXXX, Experian, XXXX Violation XXXX Account was previously paid off but remains listed as a charge-off Late Payment Accounts ( Delinquent ) ( To be included in CFPB complaints & dispute letters for removal of derogatory marks ) XXXX. XXXX XXXX XXXX Balance : {$21000.00} Status : Open Reported by : XXXX, Experian, XXXX Violation : Account is marked 30+ days late six times or more, causing significant negative impact XXXX. XXXX XXXX XXXX XXXX : {$0.00} Status : Closed Reported by : XXXX, Experian, XXXX Violation : Previously affected by natural disaster but still reporting late payments XXXX. XXXX XXXX XXXX ( Account XXXX ) Balance : {$0.00} Status : Closed Reported by : XXXX, Experian Violation : Late 60-day reporting on a closed account 15. XXXX XXXX XXXX ( Account XXXX ) Balance : {$0.00} Status : Closed Reported by : XXXX, Experian, XXXX Violation : Late over 120 days

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