Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because Experian failed to properly investigate my disputes and is still reporting inaccurate and unverified information on my credit report more than XXXX  days after my disputes were received. I disputed the following negative tradelines with Experian : XXXX XXXX  ( Acct # XXXX repeated late codes and inconsistent dates ), XXXX XXXX  ( Acct # XXXX prior delinquencies with dispute resolved/ consumer disagrees language at other bureaus ), XXXX ( Acct # XXXX reported as a collection/charge-off with conflicting dates of last activity, high balance, and payment history across the XXXX bureaus ), and XXXX XXXX ( collection Acct # XXXX reported as collection/charge-off with inconsistent status and dates across bureaus ). 

For late payments, I requested that Experian obtain proof that the furnishers are reporting them correctly. That means they must have : The actual due date for each month, The date the payment was received/posted, Records showing the payment was truly XXXX days past due as defined by FCRA/Metro-2, not just a system code , and Consistent late codes and dates across all three bureaus. 
Instead of providing any of that, Experian simply sent me another copy of my credit report and a stall letter accusing me of fraud and claiming my disputes looked like they were coming from a third-party credit repair company. I am the consumer. I sent the disputes myself. Accusing me of fraud does not extend Experians XXXX investigation window and does not relieve Experian of its duty to conduct a reasonable reinvestigation under FCRA 1681i ( a ). 
For collections, I reminded Experian that a properly validated collection must include : The original signed contract, A full itemized breakdown of the balance ( principal, interest, fees ), Proof of ownership/assignment ( chain of title ) showing the collector actually owns or was assigned the account, DOFD documentation, and Consistent reporting of status, dates, and balances across all bureaus, in line with Metro-2. 
For charge-offs like XXXX, a legally compliant charge-off tradeline must show : The original agreement, Full payment history, The correct DOFD and charge-off date, A true itemized charge-off calculation, No improper continued re-aging or shifting of dates, and Consistent balances and comments on Experian, XXXX, and XXXX. 
Experian did not provide a single piece of documentation from the furnishers to prove any of this. Instead, they left the negative tradelines in place, even though the dates of last activity, dates reported, balances, and status codes clearly do not match across all three bureaus. This is a violation of FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ), FCRA 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and FCRA 1681c-2 where they used fraud/third-party language as a stall tactic instead of properly handling my dispute. Because some of the underlying tradelines involve collection activity, continuing to publish unvalidated, conflicting information also supports ongoing illegal collection practices in violation of FDCPA 1692g ( b ) and Metro-2 accuracy standards.

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