Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for multiple, serious violations of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Despite my previous disputes and clear communication, Experian failed to conduct a proper reinvestigation, continued to report inaccurate derogatory data, and exceeded the legally mandated 30-day reinvestigation period.

The accounts listed below were inaccurately reported, contain conflicting information, and demonstrate clear noncompliance with FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reinvestigation of disputed information ). Each tradeline remains derogatory even though evidence and timelines contradict their reporting status : XXXX XXXX Account XXXX XXXX XXXX XXXX Reported as Collection/Charge-Off despite being closed and inactive since XX/XX/XXXX. 

Two-year payment history contradicts charge-off timeline. 

Experian failed to confirm accuracy after dispute resolution. 

XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Still marked Derogatory despite last payment on XX/XX/XXXXXXXX  and {$0.00} high credit. 

Reporting inconsistencies show Experian disregarded factual updates from the furnisher. 

XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Labeled Charge-Off although marked as closed due to inactivity. 

Inconsistent with activity records and contradicts the date of last payment ( XX/XX/XXXXXXXX  ). 

XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Marked as derogatory even though the consumer dispute was resolved. 

The continuation of derogatory reporting after dispute closure violates 1681i ( a ) ( 5 ) ( A ).

XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Reported Charge-Off despite conflicting payment activity and dispute resolved status. 

Experian failed to verify the accuracy before re-reporting the same negative data. 

XXXX XXXX / XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Collection balance inflated from {$20000.00} to {$21000.00} without validation. 

No payment records exist to justify the change, violating FCRA 1681e ( b ). 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported as Open Account and Assigned to Attorney simultaneously logically and procedurally impossible. 

Indicates Experians lack of basic data verification. 

XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Balance of {$22000.00} reported post repossession, yet Merchandise taken back noted. 

Under Metro-2 and XXXX  guidelines , such accounts must be updated to reflect a {$0.00} balance.

Experians negligent and inconsistent reporting defames my credit profile, causes ongoing damage to my financial reputation, and directly violates the consumer protection provisions outlined in FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

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