Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  for reporting inaccurate, misleading, and contradictory information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX is reporting this auto loan account with conflicting statuses across the credit bureaus. One bureau reports the account as paid, while others continue to report the same account as derogatory, charged off, and negative. An account can not legally be both paid and charged off at the same time. Reporting mutually exclusive account statuses constitutes inaccurate reporting and violates FCRA 1681e ( b ), which requires maximum possible accuracy.

Despite the account reflecting a {$0.00} balance and no past-due amount, XXXX XXXX continues to report charge-off language, derogatory remarks, and late payment history. This misrepresents my payment performance and violates XXXX XXXX reporting standards, as well as FCRA 1681e ( b ). 

I have previously disputed this account, yet XXXX XXXX failed to conduct a reasonable investigation as required by FCRA 1681i ( a ). Any investigation that results in the continued reporting of contradictory and inaccurate data is unreasonable on its face. Automated verification without correcting obvious inconsistencies does not satisfy the legal requirement for a reasonable investigation. 

By continuing to furnish inaccurate and conflicting information after receiving notice of these errors, XXXX XXXX has acted with reckless disregard for accuracy, constituting willful noncompliance under FCRA 1681n. 


I am filing this complaint against XXXX for reporting a collection account that I do not recognize and never authorized, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX is reporting a collection account with a balance of {$270.00} that I did not open, authorize, or agree to. I have never entered into any contract, agreement, or transaction with XXXX. Reporting a collection account without proof of consumer authorization violates FCRA 1681e ( b ) and 1681s-2 ( a ), which require accuracy and lawful furnishing of information.

This account appeared after my personal information was compromised in the XXXX  data breach. XXXX has failed to provide any signed contract, application, billing records, or proof of lawful assignment establishing that this debt belongs to me. Continuing to report a potentially fraudulent account without verification constitutes willful noncompliance under FCRA 1681n.

Additionally, the account is reported with incomplete and defective data, including the absence of a valid date of first delinquency, no verified payment history, and no evidence of lawful assignment. Reporting a collection under these conditions violates FCRA 1681c ( a ) ( 4 ), 1681i ( a ), and XXXX XXXX compliance requirements. 

Any prior verification that relied solely on automated systems rather than actual documentation fails the reasonable investigation standard required by law. 

I am submitting an additional CFPB complaint regarding XXXX XXXX due to its continued failure to correct inaccurate and contradictory reporting after prior disputes. 

XXXX XXXX is knowingly furnishing conflicting account information by reporting this auto loan as paid with a XXXX balance while simultaneously reporting it as charged off and derogatory on other credit reports. This practice is misleading, deceptive, and violates FCRA 1681e ( b ).

The continued reporting of charge-off remarks and late payment history on an account with no past-due amount and no outstanding balance falsely damages my creditworthiness. This reporting does not comply with XXXX XXXX standards and misrepresents the legal status of the account. 

XXXX XXXX was placed on notice of these inaccuracies and failed to correct them, demonstrating reckless disregard for accuracy and a failure to conduct a reasonable investigation under FCRA 1681i ( a ). Continued reporting under these circumstances constitutes willful noncompliance under FCRA 1681n.

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