Consumer complaint received 2026-05-05 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: MD

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX EST, I submitted an online dispute through Experian 's dispute center regarding a XXXX XXXX XXXX tradeline on my Experian credit report. The dispute identified specific, documented FCRA violations visible directly within Experian 's own credit report display. The XXXX XXXX XXXX account charged off in XX/XX/XXXX and is reported as a " Closed '' revolving line of credit. Despite being a closed account, XXXX has continued to report the account with a charge-off ( CO ) status code in every single monthly reporting period from XX/XX/XXXX through XX/XX/XXXX approximately 49 consecutive months. Experian 's own credit report display labels this account as having " 53 POTENTIALLY NEGATIVE MONTHS. '' A charge-off is a single historical event, not a recurring monthly status, and the continued monthly reporting violates FCRA 1681s-2 ( a ). Additionally, Experian 's report displays this closed account as having " Credit usage 100 % '' with a {$390.00} balance against a {$150.00} credit limit, and the balance is shown as updated on XX/XX/XXXX. A closed revolving account can not have current credit utilization, because no credit is available on a closed account. Reporting active utilization on a closed account is facially inaccurate and visible directly in Experian 's own UI. The original date of first delinquency, based on the payment history shown on the Experian report, was XX/XX/XXXX ( 30 days late ), progressing to 60 days in XXXX XXXX, 90 days in XXXX XXXX, 120 days in XX/XX/XXXX, and charge-off in XX/XX/XXXX. Under FCRA 1681s-2 ( a ) ( 5 ), this date must remain fixed for purposes of the XXXX reporting period and can not be reset by ongoing monthly reporting. At approximately XXXX XXXX EST on XX/XX/XXXX 37 minutes after my dispute submission Experian sent me a notification stating the account " has not been changed and will remain on your credit report. '' The notification provided no explanation of what was verified, no identification of who was contacted at XXXX, no description of documentation reviewed, and no reasoning for the decision. 37 minutes is not a reasonable timeframe to conduct a legitimate investigation under FCRA 1681i. The statute requires Experian to notify the furnisher of the dispute and review the furnisher 's response. There is no plausible way Experian forwarded the dispute to XXXX, received a substantive response, and reviewed that response within 37 minutes. A separate dispute I submitted in the same time window regarding a different account ( XXXX XXXX XXXX / XXXX XXXX ) remains pending and properly under review. The disparate handling one auto-rejected in 37 minutes, one still under proper investigation strongly suggests Experian 's automated systems flagged the XXXX dispute as previously verified or frivolous and rejected it without investigation, despite my dispute providing new factual information including specific FCRA citations, the documented 49-month rolling charge-off pattern, and reference to a certified validation request sent to the collector. I am sending Experian a formal re-dispute via certified mail and a Method of Verification request under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) on the same date as this complaint. However, the underlying issue Experian 's failure to conduct a reasonable investigation as required by federal law warrants regulatory review. I request that the CFPB require Experian to : ( 1 ) conduct an actual reasonable investigation of the XXXX tradeline including direct contact with the furnisher and review of substantive documentation ; ( 2 ) provide the method of verification information required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ; ( 3 ) explain why this dispute was processed in 37 minutes when other disputes from the same submission window remain under proper review; and ( 4 ) correct or delete the inaccurate tradeline reporting, particularly the rolling charge-off pattern and the impossible " 100 % credit usage '' reporting on a closed account.

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