Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
Subject : Experians Failure to Comply with FCRA Regarding Inaccurate Tradelines and Method of Verification ( MOV ) for Multiple Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear CFPB, This is a formal supplement to my original complaint filed on XX/XX/XXXX, regarding Experians mishandling of several disputed tradelines, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 

Although Experian has marked these investigations closed with explanation, the responses lack transparency and fail to comply with several legal provisions under the Fair Credit Reporting Act ( FCRA ).

Tradelines and Associated Violations 1. XXXX XXXX ( Account # XXXX ) Issue : Despite the account being settled in full in XXXX ( with {$4400.00} written off ), Experian continues to reflect derogatory payment history and charge-off notations extending well beyond the settlement.

Violations : FCRA 605 ( a ) ( 4 ) - ( 5 ) : Obsolete or misleading derogatory entries.

FCRA 1681e ( b ) : Inaccuracy in post-settlement reporting.

FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct reasonable reinvestigation.

FCRA 1681i ( a ) ( 7 ) : Failure to provide Method of Verification ( MOV ) upon written request. 

XXXX. XXXX XXXX ( Account # XXXX ) Issue : Marked as a XXXX but marked purchased by another lender without sufficient explanation or supporting data. The delinquency timeline is unclear and lacks proper documentation of the charge-off process and DOFD ( Date of First Delinquency ).

Violations : FCRA 605 ( a ) ( 4 ) : Reporting after charge-off must not extend beyond 7 years.

FCRA 1681e ( b ) : Inconsistent reporting language and status update timeline.

FCRA 1681i ( a ) : No MOV provided, and no clarification of status accuracy. 

XXXX. XXXX XXXX Accounts XXXX XXXXXXXX and XXXX XXXXXXXX Issue : Both accounts show multiple XXXX late payments in XXXX across Experian, XXXX XXXX XXXX. However : XXXX XXXX XXXX report the accounts as Pays as Agreed or Paid, XXXX. 

Experian is the only CRA reporting derogatory late payments which damages the accuracy and fairness of my report.

Violations : FCRA 1681e ( b ) : Failure to maintain consistency and maximum possible accuracy across credit reports.

FCRA 1681i ( a ) ( 7 ) : Experian has failed to disclose its MOV or supporting documentation, despite repeated written requests.

FCRA 1681i ( a ) ( 5 ) : If unverifiable, the information must be deleted yet it remains. 

XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Issue : This account is closed and paid. However, Experian continues to report XXXX delinquencies from XXXX through XX/XX/XXXX while XXXX  reports it as Paid, XXXX ; was Paid as Agreed with no detailed late payment breakdown.

Violations : FCRA 1681e ( b ) : Discrepancy in reporting late payments damages the credibility of the report.

FCRA 1681i ( a ) ( 1 ) ( A ) : No reasonable reinvestigation conducted.

FCRA 1681i ( a ) ( 7 ) : No MOV provided for the derogatory payment history.

Systemic Issues Experian continues to provide generic responses to disputes without : Properly conducting reinvestigations, Submitting verification documentation, Or removing entries that can not be independently confirmed with documentary evidence. 

As held in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), CRAs can not merely rely on the furnishers word they have a legal duty to investigate the dispute reasonably.

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