Consumer complaint received 2025-11-24 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 filing this complaint because Experian is reporting a XXXXXXXX XXXX XXXXXXXX ( XXXX ) account as a charge-off even though the account appears to have originated from Experian XXXX, not from XXXX acting as an actual furnisher under the Fair Credit Reporting Act ( FCRA ). Experian verified and continued reporting the account even after I disputed it, even though this information is unverifiable, inaccurate, and was removed from Experian XXXX itself. 

Timeline : - XX/XX/year> : XXXX account removed from Experian XXXX. Despite Experian removing the account from XXXX, they left behind a damaging charge-off tradeline in my core Experian credit file. 
- XX/XX/year> : I disputed the XXXX tradeline with Experian, stating that the account appears to have come from Experian XXXX, not from XXXX furnishing data through standard channels. 
- XX/XX/year> : Experian received my dispute. 
- XX/XX/year> ( Letter date ) : Direct response from XXXX. XXXX did not say they furnished a charge-off or delinquency to Experian. They only said they verified that I am liable and would " mark as paid '' when I do pay, which indicated they are not actively furnishing delinquent utility data to Experian. 
- XX/XX/year> : Experian closed the dispute and reported the account as remains. 

Why This Is a Problem : - Experian inserted this account through Experian XXXX, not from a furnisher supplying Metro2 data.

- XXXX does not appear to furnish delinquent utility accounts to any credit bureauthis XXXX  account appears only on Experian and never appeared on XXXX XXXX XXXX

- Under 15 U.S.C. 1681i, Experian must delete information that can not be verified.

- Experian never provided me with : The furnishers name ; The furnishers address ; The furnishers phone number ; The procedures used to verify the information- Experian failed to provide a procedural description under 1681i ( a ) ( 6 ) ( B ) ( iii ).

- Experian can not lawfully verify information that was not furnished by XXXX through FCRA-compliant channels. 
- Experian removed the account from XXXX, which demonstrates that the underlying data feed was terminated, yet Experian continued reporting a charge-off anyway. This shows the account is unverifiable and should have been deleted during the dispute. 

Experians Actions Violated My Rights : - FCRA 1681i ( a ) ( 1 ) failure to conduct a reasonable reinvestigation - FCRA 1681i ( a ) ( 5 ) failure to delete unverifiable information - FCRA 1681i ( a ) ( 6 ) failure to provide required reinvestigation results and procedural description - FCRA 1681e ( b ) failure to assure maximum possible accuracy - FCRA 1681i ( a ) ( 2 ) failure to obtain verification from an actual furnisher Because XXXX did not furnish a charge-off and Experian XXXX removed the item, Experian had no legitimate source to verify the tradeline. Their verification was impossible, and the account must be deleted.

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