Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX I received a written auto-loan denial from XXXX XXXX XXXX XXXX XXXX XXXX ), which identified Experian as the source of information used in the decision. 

XX/XX/XXXX I obtained my Experian consumer report via XXXX and found inaccurate and internally contradictory information including : XXXX XXXX ( opened XX/XX/XXXX ) Reported Account charged off. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX, while also showing a constant {$200.00} balance with {$0.00} scheduled payments and repeated Paid {$0.00} on XX/XX/XXXX entries ; the payment-history guide lists XXXX XXXX as of XX/XX/XXXX to XX/XX/XXXX, which is facially inconsistent ( a charge-off can not newly occur each month over years ). 

XXXX XXXX  ( XXXX XXXX; opened XX/XX/XXXX ) Reports Collection account. {$1500.00} past due as of XX/XX/XXXX, and On record until XX/XX/XXXX, but does not disclose the Date of First Delinquency ( DOFD ) that controls obsolescence under 15 U.S.C. 1681c. I also possess the original creditors sale notice showing {$1500.00} ( different amount ) and the collection timeline appears re-aged/inconsistent with the true history. 

XXXX  XXXX ( opened XX/XX/XXXX ) Status Paid in settlement. {$470.00} written off ( XX/XX/XXXX ) but Experians grid continues to post CO/charge-off months afterwards, which conflicts with a settled/closed status. 

XX/XX/XXXX I mailed Experian a written dispute under 15 U.S.C. 1681i ( a ) ( 1 ) identifying these items and requesting reinvestigation and deletion/correction. 

XX/XX/XXXX XXXX shows Experian received my dispute ( certified confirmation ). 

XX/XX/XXXX I proactively called Experian and verified my identity to avoid any delay. 

XX/XX/XXXX Experian emailed me a Stall Response/Form Letter '' claiming my dispute did not appear to originate from me and refused to reinvestigate. 

XX/XX/XXXX Experian received my Final Demand Letter with documentation ( certified ). 

XX/XX/XXXX Experian sent an identical stall response, again refusing to investigate. 

Why this violates the FCRA : 1681i ( a ) ( 1 ) ( A ) Once Experian received my dispute, it was required to conduct a reasonable reinvestigation. Instead, Experian twice refused to investigate based on an incorrect third-party assertion, despite my prior identity verification call. 
1681i ( a ) ( 2 ) Experian must promptly notify the furnishers of the disputed information. Their stall letters indicate they did not transmit my dispute, depriving me of a reinvestigation by the furnishers.

1681i ( a ) ( 6 ) After reinvestigation, Experian must report results and, upon request, provide the description of the procedure used to determine accuracy, including the furnishers name, address, and telephone number ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ). Because Experian refused to reinvestigate, I received none of this required information.

1681e ( b ) Experian must follow reasonable procedures to assure maximum possible accuracy. The contradictory charge-off/payment-grid data and the collection record without a disclosed DOFD show Experian is publishing information that is inaccurate/misleading on its face.

1681c ( obsolescence/DOFD ) Collections must be reported using the original creditor DOFD ; Experians XXXX tradeline fails to disclose and appears to use a later date, which risks re-aging. 

Harm : XXXX denied my credit request ; these entries depress my scores, limit or increase the cost of credit, and cause reputational and emotional harm.

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