Consumer complaint received 2025-11-14 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: OK

Complaint narrative:
I am filing this CFPB complaint because Experian and TransUnion arereporting an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is inaccurate, contradictory, incomplete, and unverifiable. I have disputed this account with Experian at least XXXX times, and Experian returned the same canned result each time. Experian has failed its duties under the Fair Credit Reporting Act, and the only lawful outcome at this point is full deletion. 



FCRA Violations by Experian and TransUnion 1. FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy Experian is reporting information that contradicts itself. 
The tradeline shows a past-due of XXXX, but the payment timeline and status fields do not line up with that date. 
The charge-off balance does not match the date pattern displayed. 
The account removal date ( On record until XXXX XXXX  ) can not be supported because the DOFD is missing.

These conflicts show Experian does not follow reasonable procedures to report accurate data.

2. FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation I have filed XXXX disputes. 
Experian repeated investigation complete without resolving any contradictions, providing documentation, or addressing the missing XXXX. 
If Experian can not verify the data, correct the inconsistencies, or produce the original records, 1681i ( a ) ( 5 ) requires deletion.

3. FCRA 1681i ( a ) ( 5 ) Retention of Unverifiable Information Experian kept the tradeline after multiple disputes even though it never produced : A valid Date of First Delinquency ( DOFD ), A consistent payment-history timeline, A furnisher verification that reconciles the conflicting dates. 
Unverifiable data must be deleted.

4. FCRA 1681c ( a ) ( 4 ) & 1681s-2 ( a ) ( 5 ) Missing Date of First Delinquency The DOFD is the required anchor for reporting negative information. 
Experian did not report any DOFD and is still trying to age and retain the account.

Without a DOFD, the reporting period is legally unsupported, and the tradeline can not remain.

5. FCRA 1681i ( a ) ( 5 ) ( B ) Reinsertion / Status Updates Without Required Notice Experian and TransUnion updated this account during the dispute cycle but never provided the required reinsertion notice. 
Any update during an active dispute without notice is a violation.

6. FCRA 1681n & 1681o Willful and Negligent Noncompliance Seven disputes with the same result show systemic noncompliance.

Experians refusal to correct or delete contradictory data supports both willful and negligent violations.

Facts Supporting Deletion Experian lists a past-due of XXXX, but the rest of the timeline does not support that date. 
Experian shows a charge-off balance with no coherent delinquency path leading to it. 
There is no DOFD anywhere in the file. 
Experian gives a removal date that can not be supported because the DOFD is missing.

Experian made updates during disputes without issuing notices. 
Experian ignored XXXX disputes and kept unverifiable information. 

These defects mean the tradeline can not be verified, can not be corrected, and can not lawfully remain. 



Requested Action ( Deletion Only ) I am not requesting corrections or updates. 
I request complete deletion of this tradeline because : It violates 1681e ( b ) It violates 1681i ( a ) It violates 1681i ( a ) ( 5 ) It violates 1681c ( a ) ( 4 ) It violates 1681s-2 ( a ) ( 5 ) It has been disputed XXXX times without any valid verification It is unverifiable, contradictory, and missing required data Experian has shown that it can not prove this tradeline is accurate, complete, or lawful. 
Under the FCRA, deletion is the only legal remedy.

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