Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
I submitted multiple disputes to Experian regarding inaccurate and outdated information on my credit report, including accounts from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, and others. Despite Experian marking several of these accounts under dispute, the company continued to update negative information on these accounts during the active investigation windows, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

Specifically, XXXX XXXX XXXX was updated as recently as XX/XX/XXXX, with a charged off status and a full {$9900.00} balancewhile the account was still under dispute. There was no new account activity, no new billing cycle, and no payments to justify this update. This constitutes illegal re-aging of debt under FCRA 623 ( a ) ( 5 ). Furthermore, this update occurred during a pending dispute, which violates FCRA 611 ( a ) regarding dispute process protections and timelines.

For accounts such as MoneyLion and Possible Financial, Experian has allowed reporting of paid accounts as charge-offs, even after theyve been fully settled. This is not only misleading but factually incorrect and a violation of FCRA 607 ( b ) which requires Experian to report only accurate and complete information. They failed to investigate these items properly, yet returned verified results with no documented proof or breakdown of what was used to verify.

Additionally, I requested verification under FCRA 611 ( a ) ( 7 ), including the method of verification, the party contacted, and the procedure used, yet Experian failed to provide this information. This violates both the consumers right to transparency and the duty of reinvestigation imposed on credit reporting agencies.

Experian also blocked follow-up disputes by claiming no new information was provided, when in fact I uploaded documentation and referenced specific FCRA violations. For example, XXXX XXXX XXXXXXXX was marked as late in XX/XX/XXXX and prior years, yet no signed billing statement or verification was provided. These lates continue to appear on my credit report with no recourse for correction. When I attempted to resubmit the dispute, Experian attempted to shut it down without a proper review. 

Experian also continues to report XXXX lates from as far back as XX/XX/XXXX for XXXX accounts that are now paid and closed accounts that are both obsolete and beyond XXXX statute of limitations for open-end contracts ( 4 years ). Keeping these on file as potentially negative is misleading and designed to suppress the consumers credit standing without proper cause. 

At no point did Experian provide a written explanation of the investigation methods or results within 30 days for all disputes, further violating FCRA 611 ( a ) ( 6 ).

In summary, Experian has : Verified inaccurate and misleading data without documentation Re-aged accounts illegally Failed to respond within legal timeframes Blocked valid disputes without cause Failed to provide method of verification Allowed outdated, settled, or time-barred information to continue damaging my credit This systematic failure to comply with FCRA requirements has not only resulted in an unfair and inaccurate credit profile, but it is actively preventing me from recovering financially.

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