Consumer complaint received 2025-06-25 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: HI

Complaint narrative:
On XX/XX/XXXX, I filed a CFPB complaint against Experian concerning several unverifiable or inaccurately reported accounts listed as charged-off. Under FCRA 611 and 609, I requested Method of Verification ( MoV ), supporting documentation, and a clear explanation of the reinvestigation process conducted for each disputed account. Instead, Experian provided a copy-and-paste style response, delivered extremely close to the 60-day deadline ( XX/XX/XXXX ), that failed to address any of the specific issues raised in my original dispute. To date, no supporting documentation or proper MoV has been provided for the following accounts, all still labeled Potentially Negative despite conflicting and outdated reporting : XXXX. XXXX : Charged off as of XX/XX/XXXX, but Status Updated shows XX/XX/XXXX XXXX. XXXX XXXX : Charged off as of XX/XX/XXXX, but Status Updated reads XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) : Listed as " Paid in settlement, '' yet still labeled Potentially Negative and last updated XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) : Charged off as of XX/XX/XXXX, but Status Updated shows XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX : Charged off as of XX/XX/XXXX, but the last update occurred in XX/XX/XXXX These inconsistencies violate the FCRA 's requirement that consumer reporting agencies must maintain accurate and current records. How can an account be reported as charged off in XXXX, yet show no update activity since XXXX or XXXX? Even more concerning, when I attempted to access my Experian credit report on XX/XX/XXXX, I received the following message : Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report ( XX/XX/XXXX ). 

This contradiction is alarmingExperian claims to have completed a reinvestigation while simultaneously reporting they are unable to match my personal information since XXXX XX/XX/XXXX. That casts doubt on the validity and accuracy of the reinvestigation and violates my FCRA rights. Experian has also failed to address my specific requests for : 1. Removal of unverifiable hard inquiries 2. Correction of personal information and name variations 3. Furnishing of a Form 1099-C for any charged-off or settled accounts Their vague reply did not explain the reinvestigation methods, furnishers ' identities, or supporting documents required by FCRA 611 ( a ) ( 7 ). The only correspondence they have sent is a repeated result summary by mail stating no changes were made to my credit report and that everything was updated based on their investigation. I have received identical versions of this summary since my original dispute letterssent via certified mail and received by Experian on XX/XX/XXXX, XXXXwhich included full identification documents and detailed claim statements. These canned responses fail to satisfy statutory reinvestigation obligations and reflect a continued pattern of procedural evasion.

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