Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
Systemic Credit Reporting Violations Complaint Summary This complaint is submitted against all three national credit bureausExperian, Equifax, and TransUnionas well as several furnishers for persistent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and noncompliance with the XXXX XXXX protections. I have submitted multiple rounds of formal disputes, certified by mail, to challenge numerous inaccurate, unverifiable, or outdated derogatory items. Despite those disputes, the credit bureaus and data furnishers continue to report these items without proper verification or reinvestigation. This pattern of negligence and willful noncompliance has materially damaged my credit rating, caused financial hardship, and violated my consumer rights. 
Disputed Accounts & Violations XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX - This account is reported as a charge-off with a balance of {$18000.00}. However, Experian continues to report monthly delinquencies for several months after the charge-off ( XXXX XXXX ). 
- This practice is misleading and may constitute illegal XXXX XXXX XXXX I requested validation of the account, including a signed original contract, payment history, and a ledger showing how the balance was calculatedincluding any fees or interest after the charge-off. 
- No repossession invoice or deficiency balance calculation has been provided, in violation of my right to receive full accounting under both the FCRA and Uniform Commercial Code 9-615. 
- XXXX XXXX protections may apply to this loan if it was under forbearance or deferment during XXXX. There is no indication that such protections were honored in the reporting. 
- Violates FCRA 1681i ( a ), 1681e ( b ), 1681s-2 ( a ), and XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was charged off and closed in XX/XX/XXXX, but still reports XXXX months of continuous late payments. This reporting may artificially extend derogatory status and is inconsistent with standard reporting practices. 
- XXXX XXXX failed to respond with documentation including the original credit agreement, payment history, or proof the amount charged off is accurate. 
- Violates FCRA XXXX ( a ), XXXX ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I voluntarily closed this account, yet it now reflects a XXXX late payment dated XXXX XXXX closure. This appears to be false or improperly timed reporting. 
- I requested proof of delinquency, including billing statements and contractual evidence of any past-due amount during or after the closure window. No documentation has been received. 
- If the account was under hardship or deferment, it should have been reported as current under XXXX XXXX guidelines. 
- Violates FCRA 1681i, 1681s-2 ( a ), and XXXX XXXX XXXX. 
XXXX. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment is reported in XX/XX/XXXX. I filed a dispute regarding this, and it was marked as 'disputed by consumer'yet no resolution or reinvestigation documentation has ever been sent to me. 
- This violates my rights under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to be informed of the outcome of a reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This closed and paid account still shows XXXX late payments from XXXX and XX/XX/XXXX ( XXXX and XXXX days late, respectively ). The account was closed in XX/XX/XXXX and has since been fully satisfied. 
- Given the age of this account and the lack of relevance to my current creditworthiness, these derogatory marks are harmful and not supported by any current documentation. 
- This is an example of outdated, unverifiable reporting that violates FCRA 1681e ( b ) and 1681i ( a ). 
Ongoing Harm and Lack of Compliance The above items were each disputed formally through certified letters to the respective credit bureaus and furnishers. These disputes included legal citations and requests for verification and documentation. No proper responses were received. Instead, the same derogatory data remains, some of it clearly inflated, duplicated, or re-aged. 
This ongoing noncompliance has damaged my credit standing, resulted in denials for essential financial services, and continues to interfere with my ability to provide stability for my family. Each credit bureaus failure to correct or remove these items constitutes willful and negligent violation of the FCRA, subject to statutory penalties.

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