Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
RE : Complaint Against XXXX XXXX  / Experian Ongoing FCRA Violations and Request for Immediate Deletion of Account # XXXX Dear CFPB, I am submitting this complaint regarding XXXX XXXX  and Experian for continued violations of the Fair Credit Reporting Act ( FCRA ), following an improper reinvestigation of a disputed account. Despite clear evidence of inaccurate reporting and non-compliance, Experian closed the dispute and falsely marked the account as verified. 
Dispute Summary : On XX/XX/XXXX, I submitted a detailed dispute to Experian regarding the XXXX XXXX credit card account ending in XXXX, citing numerous factual inaccuracies. I provided relevant documentation and requested correction or deletion in accordance with the FCRA. 

Experian responded stating : Our reinvestigation of the dispute you recently submitted is now complete... we have contacted the company reporting the information you disputed ... and instructed them to verify the accuracy... Yet no actual investigation documentation or method of verification was provided. 
Inaccuracies and Violations Identified : 1. Misstated Status & Improper Re-Aging - The account shows a charge-off date of XX/XX/XXXX, despite the last payment being made on XX/XX/XXXX. 
- The account was first reported as 30 days late in XX/XX/XXXX, then progresses to 150 days late by XX/XX/XXXX, which means it should have been charged off no later than late XXXX. 
- This violates FCRA 605 ( a ) ( 4 ) by unlawfully re-aging the Date of First Delinquency ( DOFD ). 

2. Balance Over Credit Limit - Original credit limit is listed as {$1000.00}, yet the current balance is {$1000.00}.

3. Incomplete Payment Information - No monthly payment amount or terms are provided. 

4. Inconsistent and Misleading Payment History - Reports show no payments made from XX/XX/XXXXXXXX  to XX/XX/XXXX, yet balance updates continue without proper explanation. 

5. Failure to Provide Verification - Experian provided no documentation from XXXX XXXX  as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
FCRA Violations Committed : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation. 
- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete or correct unverifiable/inaccurate information.

- 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX failed to correct known inaccuracies after receiving notice of the dispute. 
- 15 U.S.C. 1681c ( a ) ( 4 ) : Re-aging of account to extend derogatory reporting.

- 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

- 15 U.S.C. 1681g & 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to disclose method of verification.

Requested Relief : 1. Permanent deletion of the XXXX XXXX account from Experian. 
2. Full investigation into Experians reinvestigation practices. 
3. XXXX XXXX to be held accountable for inaccurate credit data. 
4. Written explanation from Experian disclosing verification steps and documents reviewed. 
The reinvestigation process did not comply with federal law and Experian failed to uphold its legal responsibilities under the FCRA. The reporting of this XXXX XXXX  account continues to damage my credit profile unfairly, and I ask that the Consumer Financial Protection Bureau assist in rectifying these violations immediately.

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