Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
b'I am filing this complaint because both Experian and TransUnion have continued to report information about my credit file that is inaccurate, conflicting, and impossible to verify based on the evidence I have already provided. I have disputed these issues multiple times and both bureaus continue returning automated results that do not address the factual inconsistencies I identified. I am now suffering financial harm because these bureaus refuse to correct or delete data that clearly fails to meet the legal standard of maximum possible accuracy required under FCRA 1681e b.\n\nThe first problem involves a Capital One account ending in XXXX Experian continues to show a late payment in January 2022 even though the payment grid displayed on page 6 of the Experian report shows all OK codes for every month in XXXX XXXX XXXX XXXX XXXX There is no negative payment code for any month. A late payment cannot exist without a matching negative code in the payment grid. TransUnion does not show any delinquency at all for this same period which confirms that the late payment Experian is reporting is not real or verifiable. After multiple disputes neither bureau has provided a single document supporting the alleged late payment. Their failure to validate this information violates FCRA 1681i which requires a reasonable reinvestigation and removal of unverifiable data.\n\nThe second problem involves a XXXX XXXX account ending in XXXX Equifax has already deleted this account due to the furnisher being unable to verify the information. However Experian continues to report multi year charge off codes through XXXX XXXX XXXX XXXX  even though there has been no activity on the account. Experian displays changing balances and repeated CO codes that do not align with any real account level records. TransUnion does not report this account at all. Re reporting this account after another bureau deleted it without sending me the required five day reinsertion notice violates FCRA 611 a 5 B. Experian has not provided any documentation showing the source of its information or showing that XXXX XXXX actually certified these updates. Reporting multiple years of charge off codes without contractual records or monthly account records violates basic Metro2 requirements as outlined in fields 11 high credit and field 24 history. This continual reporting of unverifiable data is materially harming me because it inflates my debt load and misrepresents my payment history.\n\nThe third issue involves incorrect personal information. TransUnion is reporting an employer called XXXX XXXX XXXX  that I never authorized and that does not match any part of my employment history. This incorrect employer information raises the risk of file mixing and identity confusion. Under FCRA 1681e b and FCRA 611 the bureau must ensure personal information is accurate and must delete unverifiable data when challenged. I have repeatedly asked for proof of how this employer was linked to me and they have provided none.\n\nBoth bureaus have also been returning form style responses to my disputes as shown throughout the documents. This violates FCRA 1681i because each dispute must be handled individually. My letters were prepared by me and the software used is available to any consumer. There is no legal basis for ignoring or dismissing my disputes. Continued refusal to process my letters or to reinvestigate the issues based on actual documentation is a willful disregard of my rights as a consumer.\n\nThese ongoing violations have caused me real financial harm including being denied credit and facing higher interest costs. I am asking the CFPB to step in because both Experian and TransUnion have repeatedly failed to correct or delete information that is inaccurate inconsistent and legally unverifiable.'

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