Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
I am filing this new complaint because Experian refused to properly investigate the accounts I disputed in my previous CFPB complaint. Instead of responding to the actual errors I reported, Experian attempted to avoid the investigation by claiming there was an unauthorized third party involved. This statement appears in the file I uploaded, on the page showing the status update where Experian told the CFPB they needed authorization before responding. I have repeatedly told Experian that all of my disputes were submitted by me, yet they continue using this stall tactic to avoid their legal duty to reinvestigate. 

Experian also sent me a stall letter saying they could not determine whether my request came directly from me and therefore would take no action. That letter is included in the file I uploaded as EXPERIAN.pdf and shows that Experian refused to proceed with a reinvestigation based on an internal determination that is nowhere authorized under FCRA. They ignored the actual inaccurate information I reported and focused instead on blocking the dispute. 

Meanwhile, the inaccurate information in my file continues to cause me harm. The items I disputed are still showing late payments that are impossible, conflicting, or unsupported by any billing records. For example, several XXXX accounts show XXXX day, XXXX day, anXXXX XXXX  day late codes applied after the account was closed and had a XXXX balance. A closed installment account can not accrue new late payments because no payment schedule exists. Experian has provided no billing statements, account ledgers, or payment proof for any of those late codes. The incorrect payment histories are clearly visible in my uploaded Experian documents. 

The same problem appears in multiple chargeoff accounts. Experian is displaying late codes months after the chargeoff date, even though a chargeoff ends the payment schedule and no additional delinquency can occur. Several of my files, including the Experian grids you can see in the uploaded pages, show XXXX  codes next to XXXX  codes and then new late codes after that. These patterns are impossible under XXXX reporting rules, yet Experian has never addressed or corrected them. 

Experian also continues to report payment histories that conflict with XXXX XXXX XXXX XXXX bureau will show XXXX while Experian shows late codes for the same month. Another bureau will show no delinquency at all while Experian shows severe delinquency. These contradictions appear throughout the detailed pages of my complaint files. The existence of XXXX different payment histories for the same account proves that the information can not be verified. Instead of deleting the unverifiable data, Experian is continuing to publish it, knowing that the bureaus themselves do not match. 

I also disputed several unauthorized inquiries. Experian has not produced any legal documentation for these inquiries, no signed credit applications, no timestamps, no IP addresses, and no certification of permissible purpose. These inquiries continue to harm my credit profile and Experian has ignored my valid disputes. 

Since the time I filed my previous CFPB complaint, Experian has done the following : Returned the same inaccurate information without correcting any errors Used an unauthorized third party excuse to avoid responding Issued a stall letter refusing to investigate Ignored the impossible payment histories Ignored the conflicting late payment patterns across bureaus Ignored the unauthorized inquiries I disputed Failed to produce any documentation required under FCRA for verification Continued publishing information that is harming my credit These actions violate multiple sections of the FCRA, including XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ) ( XXXX ) ( A ). My previous CFPB complaint clearly laid out the documentation problems and the cross bureau inconsistencies, which are shown in the attached complaint file. Yet Experian has not corrected anything or provided proof of accuracy.

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