Consumer complaint received 2025-01-16 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: TN

Complaint narrative:
I am filing this complaint because Experian has failed to properly investigate my disputes, has reinserted previously deleted negative information without notification, and has misrepresented my credit data in a deceptive manner, in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Properly Investigate Disputes and Provide Method of Verification On XX/XX/XXXX, I disputed an inaccurately reported bankruptcy with Experian. I provided evidence from XXXX showing that they were the source of the incorrect data. 
Experian failed to provide a method of verification and simply responded with " verified, '' without conducting a proper reinvestigation. 
On XX/XX/XXXX, I escalated this issue by filing a CFPB complaint ( # XXXX ), yet Experian continued to refuse to provide verification details. 
FCRA Violation : Experian is required under FCRA 611 ( a ) ( 1 ) to conduct a reasonable reinvestigation and under FCRA 611 ( a ) ( 7 ) to provide a method of verification. Experian has failed on both counts.

2. Reinserted Late Payments on Settled Account Without Notification On XX/XX/XXXX, I disputed an inaccurate negative tradeline related to my XXXXXXXX XXXX XXXX  account and it was previously corrected. 
However, on a later review of my credit report, I found that Experian had reinserted late payments ( XXXX, XXXX, XXXX, XXXX, and 150 days late ) for this account without notifying me in writing. 
FCRA Violation : Under FCRA 611 ( a ) ( 5 ) ( B ), if Experian reinserts previously deleted information, they must send written notice within five business days, which I never received.

3. False Reporting of Late Payments in a Deceptive Manner Experians website falsely indicates that I have XXXX accounts with late payments in the payment history summary. However, when reviewing each individual account, they are all marked as " never late. '' The accounts Experian is covertly reporting as late include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) This contradiction suggests Experian is misrepresenting my payment history, and while these accounts show as never late when individually reviewed, the algorithm is still factoring them as late payments in my credit score calculation. 
FCRA Violation : Experian is required under FCRA 607 ( b ) to maintain maximum possible accuracy in consumer reports. Their actions suggest they are manipulating the credit scoring algorithm to artificially lower my credit score.

4. Failure to Provide Proper Investigation and Justification for Negative Data On XX/XX/XXXX, I disputed XXXX falsely reported late payments across multiple accounts, and Experian failed to provide the method of verification. 
Experian simply marked the disputes as " verified '' without substantiating the accuracy of their reporting. 
FCRA Violation : Under FCRA 611 ( a ) ( 1 ), Experian must conduct a reasonable reinvestigation and correct or remove unverifiable information. They have failed to do so.

5. Harm Caused by Experians Violations Due to these reporting errors and Experians failure to comply with FCRA dispute resolution procedures, my credit score has been unfairly impacted, leading to : Potential denials of credit and financial opportunities. 
Emotional distress and wasted time from ongoing disputes. 
Misrepresentation of my creditworthiness to lenders due to Experians misleading reporting practices. 
Requested Resolutions To resolve these issues, I demand that Experian : Immediately remove or correct all inaccurate and misleading information from my credit report. 
Provide a detailed method of verification for each disputed item, including the sources used for verification. 
Confirm in writing that they have complied with FCRA 611 ( a ) ( 5 ) ( B ) by either properly verifying the reinserted late payments or removing them.

Ensure that the deceptive credit reporting practices related to late payments are corrected, and provide a written explanation for why accounts marked as " never late '' are still being factored as negative items in the credit score calculation. 
If Experian fails to comply, I will escalate this matter through additional legal channels.

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