Consumer complaint received 2025-06-27 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 writing to complaint Experian Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to my credit profile. Despite efforts to correct inaccurate, misleading, and duplicative reporting, Experian has failed to ensure the accuracy and integrity of the information furnished, which has resulted in significant and unjust damage to my credit score. 
First, Experian is inaccurately reporting the following XXXX accounts as both charged off and currently past due, which is materially misleading and violates FCRA standards. The following accounts : Acct ending in XXXX {$20000.00}, Acct ending in XXXX {$23000.00}, Acct ending in XXXX {$22000.00}, Acct ending in XXXX {$20000.00}, and Acct ending in XXXX {$430.00} all show status : Charged off. $ XXXX past due, which is contradictory and inaccurate under FCRA 1681e ( b ) ( maximum possible accuracy ). A charged-off account is closed and can not simultaneously accrue new past due status. I submitted formal disputes to XXXX in XXXX XXXX. Their response stated, This item was updated from our processing of your dispute in XX/XX/XXXX. However, no correction was made, and Experian left the misleading reporting unchanged. 
Secondly, Experian is reporting multiple nearly identical student loan accounts from DEPT OF EDUCATIONXXXX, each showing : Identical last payment dates : XX/XX/XXXX, identical late payment sequence : XXXX, XXXX, XXXX, XXXX days delinquent ( XXXX XXXX ), duplicated across XXXX accounts. This creates the false impression of multiple separate delinquencies, which inflate the number of derogatory accounts and unfairly penalizes my credit score. These appear to be subsets of the same federal loan ( possibly consolidated ) and should not be reported as distinct tradelines. This practice violates FCRA 1681e ( b ) and FTC guidance against duplicate or misleading reporting. Experians continued inclusion of these accounts, despite their similarity and lack of differentiation, is deceptive and materially harmful. 
Thirdly, Experian lists my XXXX account ( ending in XXXX ) with a balance of {$660.00} and no credit limit, resulting in a reported utilization rate of 112 %. This falsely portrays the account as maxed out and contributes heavily to my low score. Again, this violates FCRA 1681e ( b ) by failing to include full and accurate tradeline data, particularly when the omission directly affects scoring models like XXXX. The FCRA violations that apply to this XXXX account reporting are : 1681e ( b ) Inaccurate, incomplete, or misleading information must not be included in consumer reports, 1681i ( a ) Credit bureaus must reinvestigate disputed items and remove or correct inaccuracies within 30 days, 1681s-2 ( a ) Furnishers must not report information they know ( or should know ) is inaccurate.

Due to Experian 's failure to remove or correct these errors I have been negatively impacted. My credit score has dropped to XXXX, placing me in the " poor '' category. I have been denied credit and housing opportunities due to these inaccuracies. The stress and damage to my financial health have been severe and ongoing. I am requesting that the CFPB conduct a full investigation into Experians handling of my credit report and take appropriate regulatory or enforcement action.

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