Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because Experian continues to report inaccurate and misleading information on my credit file despite my prior dispute. Under the Fair Credit Reporting Act, specifically 607 ( b ), Experian has a duty to maintain the maximum possible accuracy of information it reports. Under 611 ( a ), it must conduct a proper reinvestigation whenever a consumer raises a dispute. Under 623 ( a ), furnishers of information are prohibited from supplying information they know or should know to be inaccurate. None of these protections have been honored in my case, and as a result, I am suffering harm to my creditworthiness. 

The first account at issue is XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was opened on XX/XX/XXXX with a reported balance of {$2200.00} and is listed as a charge off. This reporting is misleading because it is shown as both charged off and still owing a balance, which is contradictory. A charge off means the account is closed and written off, but the way Experian is reporting it makes it appear that I continue to owe the full amount. This dual reporting violates 607 ( b ) s requirement for accuracy and reflects a failure to reinvestigate under 611 because I previously raised this exact issue and it was not corrected. 

The second account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was also opened on XX/XX/XXXX and shows a balance of {$2200.00} with a charge off status. This account suffers from the same problem of being reported as both charged off and still carrying a balance. This creates a misleading impression of my obligations and unfairly damages my credit. Under 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know to be inaccurate, and Experian is complicit in publishing that information without ensuring its accuracy. This is a clear violation of both the FCRAs accuracy and reinvestigation requirements. 

The third account is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was opened on XX/XX/XXXX and reflects a {$0.00} balance but continues to show late payments. Reporting late payments on an account that is closed and fully satisfied is inaccurate and misleading, because it gives the false impression that I remain a credit risk for an obligation that no longer exists. The continued appearance of late payments violates 607 ( b ) and demonstrates Experians failure to conduct a meaningful reinvestigation under 611, as this matter was previously disputed and left unresolved. 

The fourth account is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which was opened on XX/XX/XXXX with a balance of {$0.00}, yet Experian continues to show late payments. This was a credit builder account that I fully completed and paid in full. Reporting it with late payments after closure is not only unfair but also contrary to the purpose of such products, which are designed to help consumers build positive credit history. Experian is required under 607 ( b ) to ensure maximum possible accuracy, and under 609 ( a ) I am entitled to review the underlying documents being used to support this reporting. Since Experian has not produced any verifiable proof from the furnisher showing these late payments are valid, continuing to publish this information is a violation of XXXX and grounds for deletion.

All of these accounts remain on my credit file even though they are either inaccurate, misleading, or unverifiable. Experians failure to correct these items after my initial dispute demonstrates that no reasonable reinvestigation was conducted. This ongoing reporting is harming my financial opportunities and creating barriers to obtaining fair credit. I am requesting that the Consumer Financial Protection Bureau hold Experian accountable for its violations of FCRA 607 ( b ), 611 ( a ), and 623 ( a ), and require Experian to delete or fully correct these inaccurate accounts immediately.

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