Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal follow-up complaint to hold Experian accountable under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act for the continued reporting of inaccurate, unverifiable, and non-compliant information related to a charged-off account from XXXX  XXXX XXXX ( Acct XXXX XXXX XXXX ). 

This is now my fourth dispute on this matter. Despite multiple submissionsaccompanied by documentary proof and a Metro 2compliant dispute letterExperian has failed to conduct a reasonable reinvestigation, as required by FCRA 1681i. 

Ongoing Violations : Inaccurate Payment History : Experian reports the account as charged off in XXXX and XX/XX/year>, yet reports a {$0.00} balance, which should reflect a " Paid Charge-Off '' or " Settled '' status per Metro 2 Field 17 & Field 11. 

Experian also fails to display any clear Date of First Delinquency ( DOFD ), in violation of FCRA 623 ( a ) ( 5 ) and Metro 2 Field 31. 

Incomplete and Contradictory Reporting : XXXX  and Experian report conflicting payment histories and derogatory codes. 

Experian has not provided any evidence that these discrepancies were reconciled with the data furnisher during reinvestigation, nor have they identified the method used to verify the dataviolating the FCRA 611 ( a ) ( 7 ) procedural request requirement.

Failure to Provide Method of Verification : Per FCRA 609 ( a ) ( 1 ) ( A ) and 611, I requested disclosure of all information used to verify this account. No such documentation or verification process was ever shared. 

Automated Response Lacking Substantiation : Experians response to my prior CFPB complaint was a generic form letter that did not address any of the specific legal or factual issues raised. 

Their response was not accompanied by any documentation, sworn affidavits, or evidence that could validate the accounts current status. 


Additionally, I request : Full disclosure of the method of verification Copies of any documents shared by the furnisher Confirmation that Experian has escalated this matter beyond automated e-OSCAR processes to a human review team as required for repeat disputes Legal Authority Cited : FCRA 1681i Duty to conduct a reasonable reinvestigation FCRA 1681e ( b ) Duty to ensure maximum possible accuracy FCRA 1681s-2 ( b ) Furnisher obligation to investigate disputes FCRA 609 ( a ) ( 1 ) ( A ) Right to all information in the consumer file Metro 2 Compliance Violations in Field 17 ( Account Status ), Field 22 ( Payment History Profile ), and Field 31 ( DOFD ) I am requesting direct CFPB oversight into this issue, and I will consider filing a complaint with the FTC, state attorney general, and pursuing civil remedies under FCRA 1681n & 1681o if Experian fails to comply with federal credit reporting laws.

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