Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
Re : Formal Dispute of Inaccurate and Misleading Credit Reporting ( FCRA Violations ) To Whom It May Concern, This is a formal demand for the immediate correction or deletion of multiple inaccurate, inconsistent, and misleading entries being reported on my credit file by your bureau. Your failure to maintain accurate reporting and conduct a reasonable and good faith investigation into consumer disputes is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Additionally, on XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian ( CFPB v. Experian Information Solutions , Inc., Case No. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for failing to conduct legitimate investigations and instead rubber-stamping creditor data without independent verification. Given Experians well-documented history of FCRA violations XXXX I expect full compliance with federal law regarding my dispute. 

Disputed Account Information : Creditor : XXXX XXXX XXXX Account # XXXX FCRA Violations & Inaccuracies Identified : 1. Balance and High Credit Discrepancy ( FCRA 1681e ( b ) ) Experian reports a balance of {$1900.00} while listing a high credit amount of {$0.00}.

A balance can not exist if no high credit amount was ever reported. This is a clear failure to ensure maximum possible accuracy in violation of FCRA 1681e ( b ) ( Requirement to Maintain Accuracy ). 

2. Charge-Off & Dispute Status Conflict ( FCRA 1681s-2 ( a ) ( 3 ) ) TransUnion lists the account as Charged off as bad debt, while Experian states Customer disputed account - reported by subscriber. 
If the account is under dispute, it can not be legally reported as a final charge-off without proper verification, as required by FCRA 1681i ( a ) ( 1 ) ( Duty to Conduct a Reasonable Reinvestigation ). 

3. Date Last Active Mismatch ( FCRA 1681e ( b ) ) TransUnion reports the Date Last Active as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. 
These discrepancies directly impact the age of the account, which affects my credit score calculation and financial standing.

4. Inconsistent Payment History ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) Experian reports multiple late payments ( 30, 60, 90, 120+ days past due ), while TransUnion does not reflect the same delinquency history. 
This inconsistency suggests that at least one bureau is reporting false information, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( Duty of Furnishers to Provide Accurate Information ).

5. Credit Limit and Balance Conflict ( FCRA 1681e ( b ) ) The credit limit is listed as {$1400.00}, but the balance is reported as {$1900.00}. 
If the balance exceeds the credit limit, there must be clear documentation explaining this overage ( e.g., fees, penalties ). Otherwise, this misrepresentation is unlawful and negatively impacts my creditworthiness. 

6. Incorrect Past Due Amount ( FCRA 1681i ( a ) ( 5 ) ) The past-due amount is listed as {$1900.00}, which is the same as the total balance. 
A past-due balance should represent missed payments, NOT the full balance. Misreporting this amount artificially inflates my debt burden and damages my credit score. 

Experians History of FCRA Violations & Sham Investigations The CFPB lawsuit filed on XX/XX/XXXX, exposes Experians pattern of systemic FCRA violations, including failure to conduct reasonable investigations into consumer disputes. Given this, I expect Experian to fully comply with the law and handle my dispute properly. 

Additionally, under FCRA XXXX ( a ) ( XXXX ) ( A ), you must conduct a reasonable reinvestigation and provide written verification of the accuracy of the information you are reporting. If you can not verify the accuracy, you must delete the disputed information. 

Demand for XXXX XXXX XXXX FCRA XXXX ( XXXX XXXX. XXXX ), you are required to : XXXX. XXXX a full and legitimate reinvestigation of this account, with direct verification from XXXX XXXX Bank. 
XXXX. Immediately delete or correct any inaccurate or unverifiable information. 
XXXX. Provide written documentation within 30 days proving the disputed information is accurate. 
XXXX. Send me an updated credit report reflecting these changes, per FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 

Legal Consequences for Noncompliance If you fail to correct or delete this inaccurate information, I will : File a complaint with the CFPB, FTC, and my State Attorney Generals Office for violations of the FCRA. 
Pursue legal action against your company under FCRA XXXX ( Civil Liability for Willful Noncompliance ) and FCRA XXXX ( Civil Liability for Negligent Noncompliance ). 
Seek statutory and punitive damages for your failure to ensure maximum possible accuracy in my credit file. 

I expect a full and lawful resolution to this matter. You have 30 days to respond, as required by law. Failure to act in good faith will result in immediate legal escalation.

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