Consumer complaint received 2025-06-26 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: NY

Complaint narrative:
Subject : False Verification of Disputed Chase Accounts & Failure to Provide Required Documentation Follow-up to CFPB Complaint ID # XXXX As a consumer fully exercising my rights under the Fair Credit Reporting Act ( FCRA ), I am documenting each step in preparation for formal legal escalation, if necessary. 
This complaint is a follow-up to CFPB Complaint ID # XXXX, concerning Experian 's pattern of reporting disputed information as " verified '' or " updated '' without providing supporting documentation or evidence of a reasonable reinvestigation. 
In response to my formal written dispute, Experian marked the following XXXX XXXX XXXX accounts as verified as accurate or updated : Account ending in XXXX Experian reports balance : {$18000.00} Account ending in XXXX Experian reports balance : {$6100.00} Account ending in XXXX Experian reports balance : {$6000.00} However, I received a direct response from the furnisher, XXXX, dated XX/XX/year>, stating the following : Additional items listed in your dispute are not a reported field provided by XXXX to the Consumer Reporting Agency. 
Because our reporting is accurate, no updates or corrections are needed. 
This directly contradicts Experians post-dispute verified or updated designations. If XXXX furnished no corrections or new data, and disputed items are not even furnished, then Experian 's claim of verification is misleading and unsupported. 
Furthermore, the balances Experian reports in their alleged verified or updated response do not match the balances XXXX provided. These discrepancies existed both before and after Experians investigation meaning the inconsistencies were not resolved and no accurate update was made. The discrepancies are : Account ending in XXXX : Experian reports {$18000.00}, XXXX reports {$18000.00} Account ending in XXXX : Experian reports {$6100.00}, XXXX reports {$6100.00} Account ending in XXXX : Experian reports {$6000.00}, XXXX reports {$6000.00} While these differences may seem small, they demonstrate Experian failed to meet the standard of maximum possible accuracy under FCRA 607 ( b ). They also indicate no meaningful reinvestigation occurred under FCRA 611 ( a ).

Experian has refused to provide documentation, verification method, or identification of the party that allegedly verified these accounts, despite my formal request under FCRA 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ).

Any attestation that this information was verified as accurate or updated, without substantiating records, may be construed as false testimony, constructive fraud, or a deceptive business practice. This is especially concerning given that XXXX confirmed no changes were made and that the disputed information is not part of the data XXXX furnishes to Experian. Combined with the documented inconsistencies in reported balances, this suggests Experians verification process was not only inadequate, but potentially misleading.

I am not seeking unnecessary conflict I simply request the correction of inaccurate and unverifiable information. If Experian deletes the accounts in full and in good faith, I will consider the matter resolved and take no further action regarding these 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