Consumer complaint received 2025-08-06 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:
- I am disputing inaccurate reporting of a XXXX private XXXX-loan tradeline ( account ending XXXX XXXX XXXX XXXX XXXX XXXX on my Experian report. 

XXXX : XXXX accepted XXXX {$67000.00} settlement on this account. Terms : {$20000.00} down by XX/XX/XXXX and $ XXXX from XX/XX/XXXX through XXXX/XXXX/XXXX, then {$500.00} on XXXX/XXXX/XXXX XXXX and XX/XX/XXXX : {$20000.00} down payment in two payments {$8000.00} via my attorney and {$12000.00} via bank wire. 

XXXX present : I have paid every XXXX XXXX monthly installment on time. 
( Examples reflected on Experians own Balance History : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ) - Despite the settlement and ongoing payments, Experian continues to report Account charged off Past due and shows a changing balance/past-due amount. 

Conflicting / inaccurate reporting XXXX XXXX deleted the identical XXXX tradeline after its investigation ( late XX/XX/XXXX ). I have the XXXX  deletion letter. 

Experian has shown multiple different balances ( {$160000.00} previously ; now {$160000.00} as of XX/XX/XXXX ) while still coding it as a live charge-off with the entire amount past due. 

Experians portal is internally contradictory- one page displays the tradeline, but the Important Information About Your Dispute Results page says DISPUTED ITEM NOT LISTED ON CREDIT REPORT. I saved both screens. 

XXXX servicing ambiguity : XXXX correspondence ( XX/XX/XXXX Account Information Change ) says it services my federal loans ( XXXX XXXX XXXX ). In XXXX XXXX, the only XXXX-related loan shown is XXXX acct ending XXXX with Current Owner : XXXX XXXX XXXX XXXX XXXX The disputed private XXXX account ending XXXX does not appear anywhere in XXXX portal. If Experian relied on XXXX to verify the private tradeline, that procedure is unreasonable. Please require Experian to identify the furnisher actually used for verification and either delete the tradeline or recode it to Settled {$0.00} with all CO and past-due notations removed. If XXXX claims to service the private account, please require the chain of assignment and immediate XXXX XXXX correction to Settled {$0.00}. 

Investigation / requests I already made... 
After an initial Experian dispute was returned verified as accurate ( late XX/XX/XXXX ), I sent Experian a Method of Verification ( MOV ) request and Full Consumer File Disclosure request by Certified Mail delivered XX/XX/XXXX at XXXX a.m. ( XXXX, TX ). 

I asked for a description of the procedure used the business name/address/phone of the furnisher contacted, and the documents/data relied upon ; and for my full file including any suppressed/split segments and internal identifiers tied to this tradeline. 
I have not received an adequate MOV response ; instead, the Experian portal still shows the contradictions above. 

Why this is inaccurate... 

The account is under a binding settlement and is being paid as agreed. Accurate Metro 2 reporting should be Paid/Settled for less than full balance, Balance {$0.00}, Past Due {$0.00} with no ongoing charge-off ( CO ) codes.

Reporting the entire settled balance as past due * while also reflecting my monthly payments is contradictory.

Experians conflicting portal messages indicate an unreasonable reinvestigation and a failure to assure maximum possible accuracy. 

Not part of this dispute ( to avoid commingling ) My XXXX XXXX lists a separate XXXX loan ( account ending XXXX XXXX XXXX XXXX XXXX XXXX with Current Owner : XXXX XXXX XXXX XXXX and an original principal around {$25000.00}. That federal loan is not the disputed private XXXX account ending XXXX XXXX XXXX XXXX XXXX Please do not commingle these two distinct obligations.

What I want the companies to do...

Delete the XXXX tradeline from Experian as unverified/inaccurate or Recode it accurately to Settled / Paid for less than full balance, Balance {$0.00}, Past Due {$0.00}, and remove all charge-off coding.

Provide the MOV details and full consumer file as requested. 

Attachments I will upload XXXX deletion letter 2.Experian " verified notice and the two * * Experian portal screenshots ( tradeline present + DISPUTED ITEM NOT LISTED ) 3. Current Experian tradeline page showing {$160000.00} balance ( as of XX/XX/XXXX ) and the Balance History entries with my payments.

4. Settlement agreement ( accepted XX/XX/XXXX ) and my wire/payment ledger XXXX. XXXX screenshot showing the separate XXXX account ending XXXX XXXX. XXXX Account Information Change letter ( XX/XX/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