Consumer complaint received 2025-08-27 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: OK

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate, incomplete, and misleading credit reporting regarding my XXXX XXXX account. I have disputed multiple times with XXXX  and XXXX XXXX. The tradeline remains verified without correction, despite clear violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and CFPB guidance.

Specific Violations and Evidence 1. Failure to report/ certify Date of First Delinquency ( DOFD ) My report shows first delinquency beginning XX/XX/XXXX, leading to charge-off XX/XX/XXXX. 
By law, XXXX XXXX must report the actual DOFD within 90 days of charge-off. ( 623 ( a ) ( 5 ) ( A ) ).

Their CFPB response only states the account was delinquent beginning in 2020 without providing the specific DOFD month/year. 
This omission makes the file unverifiable and inaccurate. 
2. Incorrect obsolescence/removal date Tradeline states on record until XX/XX/XXXX. 
A delinquency beginning XX/XX/XXXX plus 7 years + 180 days should fall around XX/XX/XXXX. 
This shows the XXXX  and/or XXXX XXXX are calculating the removal date from the wrong event. This violates 605 ( c ) ( 1 ) and 623 ( a ) ( 5 ).

3. Improper reporting of past due after charge-off My report shows Past Due : {$4400.00} as of XX/XX/XXXX, though the account charged off XX/XX/XXXX. 
XXXX XXXX guidelines require Amount Past Due to be {$0.00} after charge-off ; the Original Charge-Off Amount field should be used instead.

Reporting both a charge-off and a continuing past-due balance years later is misleading, creating double derogatories.

This violates 607 ( b ) ( reasonable procedures for accuracy ) and furnisher duties under 623 ( a ) ( 1 ) ( A ).

4. Contradictory credit limit reporting Additional info shows credit limit was set to {$0.00} ( XXXX XXXX XXXX ) then restored to {$4000.00} ( XXXX XXXX XXXX XXXX  despite the account being closed/charged off since XX/XX/XXXX. 
This is facially inconsistent and materially harms utilization scoring. 
CFPB guidance deems furnishing facially false or logically inconsistent data unlawful. 
5. Failure of reasonable reinvestigation by XXXX XXXX and XXXX  I have disputed multiple times. Each time, I received boilerplate verified accurate responses without any supporting documentation. 
Under XXXX ( a ) ( 1 ) and 623 ( b ) ( 1 ), both the XXXX  and XXXX XXXX must conduct a reasonable reinvestigation and correct/delete unverifiable data. 
Repeated template responses without DOFD proof or XXXX XXXX audit trail do not constitute reasonable reinvestigation. 
6. Failure to provide required reinvestigation procedure description Under 611 ( a ) ( 6 ) ( B ) ( iii ), CRAs must provide a description of the procedure used to determine accuracy.

I never received this from the XXXX  or XXXX XXXX. This is another violation. 
7. Misleading closure status Report shows Account closed at creditors request, yet balance, past-due, and limit fields are still being updated years later.

A closed, charged-off account should not generate new field activity. This creates a false impression of an active delinquency.

Pattern of Noncompliance I have disputed multiple times since XXXX. XXXX XXXX and the XXXX  repeatedly verified without fixing contradictions. 
CFPB guidance requires deletion of unverifiable information. Instead, they continued furnishing data that is facially inaccurate. 
This repeated conduct shows willful or negligent noncompliance with the FCRA, subject to damages under 616 and 617.

Requested Relief I request the CFPB to : 1. Require deletion of the XXXX XXXX XXXX XXXX XXXX tradeline from all XXXX  if XXXX XXXX can not produce, within 30 days : The specific DOFD ( month/year ). 
The XXXX XXXX field data used to verify the tradeline. 
2. If DOFD is produced, require XXXX XXXX to : Correct the removal date to 7 years + 180 days from DOFD. 
Correct Amount Past Due to {$0.00} after XX/XX/XXXX and populate Original Charge-Off Amount instead.

Correct credit limit to {$0.00} after closure and stop toggling values post-charge-off.

Provide the reinvestigation procedure description as required by law.

3. Provide written confirmation to me and the XXXX  of deletions or corrections made. 
4. Investigate XXXX XXXX repeated verification practices and determine whether supervisory or enforcement action is warranted. 



Supporting Evidence Attached Experian tradeline screenshot ( showing DOFD, CO, past-due as of XX/XX/XXXX, on-record until XXXX XXXX, limit toggling ). 
Prior CFPB complaint and XXXX XXXX response ( boilerplate ). 
Copies of my prior XXXX  disputes. 



Closing The reporting is inaccurate, misleading, and unverifiable under the FCRA. XXXX XXXX and the XXXX  have failed their duties under 605, 607, 611, and 623. I request immediate deletion

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