Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I dispute the accuracy of multiple accounts and unauthorized inquiries listed on my Experian credit report. Despite submitting two rounds of dispute letters with detailed evidence of inaccuracies, Experian has failed to properly investigate or provide sufficient documentation of their verification process, violating the Fair Credit Reporting Act ( FCRA ). Below are the details : Disputed Accounts : XXXX XXXX Account 1 : Listed as " Paid, Closed '' but simultaneously shows " Charge Off '' in XXXX, conflicting statuses that violate 15 U.S.C. 1681e ( b ).

The account lacks a clear Date of First Delinquency ( DOFD ), making it impossible to verify compliance with the 7-year reporting limit under 15 U.S.C. 1681c ( a ) ( 4 ). 
XXXX XXXX Account 2 : Reports monthly " Charge Off '' statuses from XXXX, which suggests unlawful re-aging of debt, a violation of 15 U.S.C. 1681c ( a ) ( 4 ).

No DOFD is provided, making it unclear if this account has exceeded the reporting timeframe. 
XXXX XXXX Account 3 : Incorrect balance updates and delinquency reporting without a clear XXXX or chain of title, as required under 15 U.S.C. 1681s2 ( a ). 
Self Lender Account ( XXXX ) : Date Opened : XX/XX/XXXX ; Balance : {$0.00} ; Account Status : Closed ; Remarks : Paid as Agreed. 
Metro 2 Issue : The " 30/60/90 days late '' statuses are inaccurately reported and do not reflect actual payment history. 
A large portion of the payment history is missing, violating 15 U.S.C. 1681e ( b ). 
No DOFD is listed, hindering proper validation of reporting limits. 
XXXX Non-Compliance : Under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), Experian is required to disclose the name, address, and contact information of the entity used to verify these accounts. Despite repeated requests, no such disclosure was provided.

The accounts contain contradictory and misleading information that has not been corrected after investigation, violating the FCRAs requirement for maximum accuracy under 15 U.S.C. 1681e ( b ). 
Documentation Provided : I have submitted factual evidence, including my dispute letters dated [ insert dates ], highlighting clear errors in reporting. Experian failed to address these issues adequately or provide verifiable evidence. 
Harm Suffered : These inaccuracies have caused significant harm to my creditworthiness and ability to access financial services.

Desired Resolution : Immediate removal of all disputed accounts and unauthorized inquiries from my credit report if Experian can not provide verifiable documentation to support their inclusion.

Disclosure of the method used for verification, including the name, address, and contact information of the verifying entity.

Correction or deletion of any accounts that lack a DOFD or exceed the FCRAs 7-year reporting window.

Compensation for damages caused by their negligence, if applicable

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