Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite multiple disputes and open CFPB investigations, the Experian XX/XX/year> credit report shows no Consumer disputes this account notation on my XXXX  XXXX XXXX tradeline. 

XXXX  XXXX XXXX continues to report this account as if it remains delinquent even though it was closed and charged off. The tradeline lists both Charge-Off and a Past Due amount equal to the entire balance, misrepresenting the current status of the account after it was settled. The final payment was made XX/XX/year>. 

This conduct violates the Fair Credit Reporting Act ( FCRA ) specifically : 623 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate ; 623 ( a ) ( 3 ) failure to notify CRAs that the account is disputed ; 623 ( b ) ( 1 ) ( E ) failure to correct or delete inaccurate data after reinvestigation ; and 607 ( b ) CRA duty to ensure maximum possible accuracy. 

Experians last update date ( XX/XX/year> ) proves that XXXX  XXXX XXXX re-verified or refreshed the data after my disputes but still failed to code the account as disputed. 

I respectfully request CFPB intervention directing XXXX  XXXX XXXX and Experian to : Set Past Due = {$0.00} ( since the account is charged-off and closed ) ; Remove duplicate CO notations after the charge-off date ; Add the Consumer disputes this account remark on all credit reports until resolution ; and Provide corrected verification data, including the Date of First Delinquency ( DOFD ) documentation. 

Related CFPB reference cases for context : XXXX, XXXX, XXXX, XXXX, XXXX. 

The failure to flag the account as disputed misleads lenders and continues to suppress my credit standing. 

Experian verified as accurate a XXXX  XXXX XXXX XXXX tradeline that remains misreported as both charged-off and past-due despite being closed and settled. The furnisher failed to notify Experian that the account was disputed and continued furnishing data showing a past-due amount equal to the balance after final payment. Experians XX/XX/year> report confirms that the tradeline was refreshed on XX/XX/XXXX, XXXXafter multiple disputes and active CFPB investigationsbut still lacks the required Consumer Disputes This Account notation. 

This conduct constitutes a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), a failure to delete or modify unverifiable information under 611 ( a ) ( 5 ) ( A ), and a failure to provide the method of verification under 611 ( a ) ( 7 ). It also reflects violations of 623 ( a ) ( 3 ) and 623 ( b ) ( 1 ) ( E ) by the furnisher, which Experian ignored during reinvestigation. The omission of the dispute flag and the continuation of contradictory CO + Past Due reporting mislead lenders and interfere with the accuracy obligations imposed by the Consumer Financial Protection Act 1036 ( a ) ( 1 ) ( B ).

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