Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14904630
Complaint Overview
Complaint ID: 14904630
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Tennessee
ZIP Code: XXXXX
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : Complaint Against Experian for Failure to Remove Inaccurate and Legally Disputed Accounts I am filing this formal complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Despite multiple dispute attempts and formal written notices, Experian continues to report numerous inaccurate and unverifiable accounts on my credit file. This includes, but is not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off with no signed agreement or verification - Lentegrity - Reported as repossessed without proof of deficiency balance or repossession notice XXXX XXXX XXXX XXXX XXXX Account marked as resolved but continues to show with negative status XXXX XXXX XXXXXXXX XXXX XXXX ) - Reported late or charged-off without contract or billing history XXXX XXXX XXXX XXXX XXXX, Actively XXXX XXXX XXXX XX/XX/year> yet still appears. The also states that it is sold and not updated properly XXXX XXXX XXXX - Charged-off with no supporting documentation XXXX XXXX XXXX XXXX XXXX Actively in litigation since XX/XX/year> yet still appears as a charge-off on my credit file Under FCRA 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), the bureau is required to ensure maximum accuracy and conduct proper investigations. They have failed to do so. Furthermore, the continued reporting of the XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX active litigation may represent willful noncompliance and defamation under FCRA 623 and 1681n. I am requesting immediate enforcement action, investigation into this credit bureau 's practices, and permanent deletion of the aforementioned derogatory accounts. Sincerely,
Frequently Asked Questions
What is Complaint #14904630 about?
Complaint #14904630 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-07-26T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.