Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian and several furnishers are reporting inaccurate, incomplete, unverifiable, re-aged, and contradictory information on my credit file. I have disputed these items with Experian, yet the issues remain unresolved. 

Additionally, Experian is displaying incorrect XXXX and XXXX scores, which differ significantly from my actual FICO 8 scores and has caused financial harm and confusion.

I am requesting the CFPBs assistance to require Experian and the listed furnishers to comply with FCRA requirements, provide documentation, and remove any information that can not be fully verified. 



1. Accounts Reporting Inaccurate or Unverifiable Information Below are the accounts I have disputed that remain incorrect or unverified : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reports no status, no dates, no balance, no payment history Missing required Metro-2 fields This is an incomplete file, not a valid tradeline Can not be verified under FCRA 607 ( b ) Requested Resolution : Delete immediately if accurate verification can not be produced.

B. Possible Financial Reporting 70+ months of derogatory information Appears re-aged Continues updating negative data beyond reasonable timelines I do not have a valid record of this account Furnisher has not provided any documentation Violations : FCRA 605 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ) ( re-aging and inaccurate reporting ).

Requested Resolution : Require the furnisher to produce complete payment logs and original contract. If unable delete. 



XXXX XXXX Reports 30- and 60-day lates Yet the account shows paid from collateral A secured loan paid from collateral can not simultaneously report late payments This contradiction makes the data factually impossible Violations : FCRA 602, FCRA 607 ( b ).

Requested Resolution : Remove late payments or delete tradeline if not fully documented. 



XXXX XXXX XXXXXXXX XXXX Reporting 30- and 60-day lates Consumer statement indicates the loan was paid before being turned over to a collection agency Experian marked the account updated but has not provided the Method of Verification No payment logs have been provided Dates appear inconsistent Violations : FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 7 ). 

Requested Resolution : Provide method of verification and furnish supporting documentation. Remove late payments if unverifiable. 



XXXX XXXX / XXXX XXXX late payments with inconsistent dates Insurance involvement contradicts delinquency timeline No supporting paperwork has been provided despite dispute Violations : FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

Requested Resolution : Require the furnisher to provide full payment and insurance records. Correct or delete if unverifiable. 



F. XXXX XXXX ( Two Charge-Off Accounts ) Both accounts show inconsistent delinquency dates Past due amounts do not match internal account history Appears re-aged Experian has not provided method of verification Furnisher has not provided dispute results directly to me Updating charged-off balances monthly may violate FCRA 623 ( a ) ( 2 ) These accounts are the most damaging and require full validation. 

Requested Resolution : Require XXXX XXXX to provide : Original application Payment histories Charge-off documentation Date of first delinquency Ledger reports If XXXX XXXXXXXX can not verify delete. 



2. Experian Displaying Incorrect XXXX XXXX XXXX  Scores Experian is currently displaying : XXXX  : XXXXXXXX XXXX : XXXX My actual FICO 8 scores are : XXXX : XXXXXXXX XXXX : XXXX This is a XXXX error for XXXX and an XXXX error for XXXX 

Experian also indicates 87 days until your next refresh, meaning it is not updating my file or pulling current bureau data.

This misreporting causes : Lower creditworthiness perception Wrong credit recommendations Consumer confusion Inability to track dispute progress accurately Potential financial harm Violations : FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 603 ( consumer rights to accurate file disclosure ).

Requested Resolution : Require Experian to : 1. Immediately refresh all bureau scores 2. Correct inaccurate XXXX  score display 3. Provide a written explanation of why incorrect scores were shown 3. Requested CFPB Action I respectfully request that the CFPB require : Experian Provide full method of verification for each disputed account Refresh and correct XXXX XXXX XXXX XXXXcores Delete any account that can not be fully verified Ensure all data meets Metro-2 accuracy standards Furnishers ( XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX ) Provide complete documentation validating all reported information Correct or delete any unverifiable, incomplete, or re-aged data Provide dispute results directly to me as required under FCRA 623 ( a ) ( 8 ) If any furnisher can not produce full documentation, I request deletion of the tradeline.

4. Requested Resolution Validate each disputed account with complete records, OR Correct inaccuracies, OR Permanently delete anything unverifiable. 

I am requesting full compliance with FCRA XXXX, XXXX, XXXX, and XXXX

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