Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
I am formally disputing Experians reinvestigation results that marked the XXXX XXXX tradeline as updated and verified as accurate despite overwhelming evidence that the account is being misreported, misattributed, and managed without legal transparency. My dispute is not about the existence of the accountbut about the legality of how it is being reported, who is authorized to furnish it, and the serious factual inconsistencies across statements, creditor responses, and regulatory filings. 

Key Violations and Issues 1. Conflicting Payment History and Date of Delinquencies Experian is reporting 30-day delinquencies for XXXX, XXXX, XXXX, and XX/XX/XXXX and XXXX and XX/XX/XXXX, yet my bank statements and account ledgers show multiple payments during these same months. 
The payment status keeps changing month to month, even where no new payments were made. For instance : XX/XX/XXXX : Reported as 30 days latebut in XX/XX/XXXX, the status is listed as XXXX, {$94.00} past due. 
XX/XX/XXXX : Reported as 30 days lateyet no accurate update to reflect that this was disputed with supporting documents. 
XXXX XXXX and XX/XX/XXXX reporting status changed the past-due amount ( {$24.00} in XXXX vs. {$94.00} in XXXX ), even though no payment was made in between. No explanation is given for how or why these amounts fluctuate month to month. 

2. Conflicting Account Information Across Reports Experian provided multiple versions of the tradeline over time : One report says the account was opened in XX/XX/XXXX with an original balance of {$700.00}, while another lists the high balance as {$1100.00}. 
Monthly payment is listed as both {$74.00} and {$79.00} on different Experian files. 
The address for the furnisher is XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX no legitimate validation or contract from this address/entity is provided in any reinvestigation result. 

3. Incomplete and Unverifiable XXXX XXXX Experian reports the account under XXXX XXXX XXXX which is not a legal business entity. 
This mash-up includes : XXXX XXXX XXXX  XXXX XXXX ) a XXXX XXXX XXXX 
XXXX  XXXX a branded product, not a legal issuer. 
XXXX referring to XXXX XXXX XXXX, a servicer, not an owner or creditor. 
Experians use of all three names to describe the furnisher violates FCRA 623 and Metro 2 guidelines, which require clear identification of the responsible party furnishing data. 

4. Failure to Accurately Reflect Ownership Transfers The XX/XX/XXXX dispute results list XXXX XXXX as XXXX owner/furnisher. However, a XX/XX/XXXX letter from XXXX XXXX XXXX clearly states that The XXXX  XXXX XXXX became the issuer effective XX/XX/XXXX. 
If Experian updated the account in XXXX and XX/XX/XXXX, why does it still reflect XXXX instead of XXXX or XXXX? 
No documentation shows the account was ever legally reassigned to or from XXXX XXXX XXXX, nor does Experian clarify whether the furnisher changed after the reported issuer transition. 

5. Failure to Remove or Flag Data Post-Securitization According to SEC filing XXXX ( filed XX/XX/XXXX ), XXXX  accounts were securitized into the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
Experian continues to reflect the account as actively owned and updated by a bankyet no verification or reassignment is shown post-securitization, and no party has proven legal ownership or servicing rights post-sale. 

Problems with the Reinvestigation Process Multiple reinvestigations were initiated : Experian shows reinvestigation updates in XXXX and XX/XX/XXXX for this account, with notations that disputes were received and processed as far back as XX/XX/XXXX. 
Each reinvestigation closed with verified as accurate without addressing ownership documentation, chain of title, or payment validation. 
Despite receiving letters from XXXX XXXX XXXX  ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ), Experian has never disclosed what documentation was used to verify the tradeline. 

Relief Requested I am formally requesting the following corrective action from the Consumer Financial Protection Bureau : 1. Immediate removal of the XXXX XXXX XXXX XXXX my Experian credit report due to unverifiable ownership and non-compliance with FCRA 611 and 623. 
2. A formal audit of Experians reinvestigation process to determine how they verified the account with contradictory and incomplete information. 
3. Production of the documentation Experian used to verify the tradeline, including : Assignment agreements. 
Proof of legal authority to furnish after securitization. 
Payment application records and ledgers for XXXX. 
4. Referral to appropriate regulatory bodies for Experians failure to accurately report creditor name, furnishership, and account details. 

Summary of Inaccuracies and Legal Issues Category Problem Violation Creditor/Furnisher Name Listed as XXXX XXXX no such legal entity exists FCRA 609 ( a ) ( 1 ), Metro 2 Reporting Party Confusion Reports under three names ( bank, brand, servicer ) with no clarification of authority FCRA 623 ( a ) Payment History Conflicting delinquencies and balances with no supporting documentation FCRA 607 ( b ), 611 Ownership Trail Securitization confirmed in SEC filings, but no update shown on Experian report FCRA 611, XXXX  Reinvestigation Accuracy Verified as accurate responses ignore material contradictions in documents FCRA 611 ( a ) ( 2 ) Supporting Evidence Provided : Experian reports from XX/XX/XXXX and XX/XX/XXXX Payment history screenshots Letters from XXXX XXXX XXXX and XXXX XXXX SEC ABS-15G filing ( XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX ) Billing statements showing issuer name changes and fee stacking Dispute outcome letters stating account was verified without proof

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