Consumer complaint received 2025-11-13 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:
The following accounts are being reported as late, even though they have been closed with a {$0.00} balance and should no longer display any delinquency or negative payment history : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} These entries are inaccurately reported, as closed accounts with XXXX balances must not continue to reflect recent late payments or derogatory payment patterns once settled or terminated. Such misreporting violates FCRA 602 ( A ) and 607 ( B ), which require credit reporting agencies to maintain and report information with the maximum possible accuracy. Inaccurate or outdated negative data misrepresents my creditworthiness and can adversely affect my credit reputation.

I am requesting that Experian verify each account directly with the furnisher to confirm its true and current status. Upon completion, these accounts should be corrected and updated to reflect accurate reporting, including removal of any late payment notations that are unsupported or unverifiable.

Charge-Off Accounts The following charge-off accounts appear to contain inaccurate or unverifiable reporting details : XXXX  XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} Under FCRA XXXX ( a ), consumers have the right to dispute any information they believe to be incomplete or inaccurate. Once a dispute is received, the XXXX XXXX XXXX must conduct a reasonable reinvestigation and delete or correct the data if it can not be verified. 
Charge-off accounts that reflect a XXXX balance must not simultaneously indicate active delinquency or unresolved payment issues. Continued reporting of a charge-off status on a paid or zero-balance account creates a materially misleading impression of ongoing default, which conflicts with the accuracy standards of FCRA 623 ( a ) ( 1 ) ( A ).

I request that these accounts be thoroughly verified and updated to accurately show a paid or closed status with no remaining derogatory notation unless properly validated. 
CREDIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$640.00} Account included in Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Public Record ( Bankruptcy ) XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX Reference # XXXX Date Filed/Reported XX/XX/XXXX While I understand that bankruptcy filings are a matter of public record, credit reporting agencies are still required to ensure that any public record data included in a credit report is complete, accurate, and verifiable under FCRA 607 ( b ) and 611 ( a ). If Experian obtains such information from third-party public record vendors, those sources must be verifiable, accurate, and up-to-date.

I request a full reinvestigation of this entry, including the date of filing, court of jurisdiction, and discharge status, to ensure that the public record is being properly reported. If any part of this data can not be independently verified through certified public records, it must be removed in compliance with federal law.

Inquiries Included in Dispute The following inquiries are being disputed as they appear to have been retained beyond permissible reporting periods or do not have a clear permissible purpose under FCRA 604 ( a ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Under FCRA 604 ( a ) ( 3 ) and 606 ( a ) , each inquiry must have a legitimate and documented permissible purpose, such as a consumer-initiated credit application or account review. If the listed inquiries can not be directly linked to a permissible action I initiated, they must be promptly deleted as unauthorized or inaccurate.

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