Consumer complaint received 2025-11-05 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:
Experian is the only credit agency that is reporting two accounts that I previously disputed with the CFPB. Additionally, Experian is falsely reporting that I am using {$6100.00} over my personal credit card limit, when the credit extension has never been available to me as a consumer, or ever been reported as available credit on my consumer report. 

The first account is a active charge-off for a business card that I have repeatedly disputed because it is wrongfully being reported on my personal credit report as a consumer debt. This is the account that is inflating my credit utilization and debt-to-income ratio on loan and credit card applications. It is a business debt that doesn't legally belong to me, and once again, has never been reported as available credit on my credit report. 

The second account is a fully paid inactive charge-off for a consumer credit card, that historically has been misreported well before it became delinquent. Experian is the only credit bureau that has refused to remove the account.

These negative marks are preventing me from being approved for both business credit and personal credit. I have a good credit score, and a history of making payments on time, and these are the only two blemishes on my credit report. I believe Experian is partaking in unfair and discriminatory practices against me because of my race, gender, and income.

Experian is the only credit bureau that is always pulled for both personal and business credit cards. I've called Experian several times to have the accounts removed, and the support agents have been rude and treated my case as if was a joke or entertaining. From my understanding, inaccurate accounts are supposed to be removed by credit reporting agencies. Additionally, business accounts are not supposed to show on personal credit reports, and the financial institution of the credit card could not prove that I signed any document stating that I agreed to have the account reported on my personal credit report, and deceptively sent irrelevant information as what I requested in response to the CFPB dispute.

Experian is reporting that I have {$14000.00} in revolving debt, when I only have {$8500.00} in credit card debt, falsely inflating my utilization, debt-to-income, and financial responsibility. This has made it impossible for me to get approved for business loans, business credit cards, personal loans, and personal credit cards for almost three years. There is also no indication that the first account is a business debt. 

XX/XX/year> - Dispute was submitted to CFPB for business credit account XX/XX/year> - Dispute was submitted to CFPB for personal credit account XX/XX/year> - Dispute submitted to Experian XX/XX/year> - Dispute submitted to Experian XX/XX/year> - Dispute submitted to Experian My Experian dispute results either say " Remains '' or " Updated '' but there was no information that needed to be updated or changed. Experian chose not to honor the solution of removing the accounts. Additionally, the results say " Updated '' when no identifiable changes have been made to the accounts.

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