Consumer complaint received 2025-07-25 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 spoke with a Representative from EXPERIAN on XX/XX/year> about their investigation through CFPB concerning FCRA USC 1681e ( b ) of maximum possible accuracy, and under USC 1681i ( a ). I let him know that the end result for the accounts XXXX XXXX, and XXXX XXXX XXXX, and XXXX XXXX says " has not been changed and will remain on your credit report. '' I asked for a written summary of the investigation including the furnishers response and reasoning for their decision. His response was " all we can do is issue a credit report. '' I repeated what I needed from Experian. Representative told me they do not provide " written summary of the investigation including the furnishers response and reasoning for their decision .. '' I told him per law this is my right. He said he could not help me with this. I asked for a supervisor. Supervisor was not available. I sent in to CFPB my evidence of inaccurate information on those particular accounts. The dates, the last payments, the account types, some of the amounts were inaccurate on ALL accounts and I asked per FCRA law USC 1561e ( b ) to be deleted. Experian gave an inadequate vague response which violates FCRA USC1681i ( a ) ( 6 ). EXPERIAN broke the Law by saying they will not furnish the written summary of the investigation including the furnishers response and reasoning for their decision. ( CFPB ) has sued Experian, alleging that the credit reporting agency violated consumer rights by conducting " sham investigations '' when consumers disputed errors on their credit reports. On XX/XX/year>, I sent individual dispute letters to XXXX XXXX, and Experian regarding the following accounts, which contain verified but inaccurate data not showing maximum possible accuracy according to FCRA. XXXX. XXXX XXXX Account Discrepancies include differing High Credit amounts ( {$1100.00} vs. {$1000.00} ) and Credit Limits ( {$1000.00} vs. {$0.00} ), as well as inconsistent dispute resolution comments across bureaus. Date reported, last activity, date opened, last payment is not accurate XXXX. XXXX Inaccuracies include a High Credit of {$25000.00} with a {$0.00} Credit Limit, a reported 60-month term inconsistent with an open account status, and varying comments about subscriber contact. Date opened, last active, account type, is not accurate XXXX. XXXX XXXX Account Issues include a past due amount of {$280.00} with a Late 60 Days status despite no mention of delinquency in comments, and inconsistent dates of last payment, ( XX/XX/year> vs. XX/XX/year> ) last reported, last active not accurate. XXXX. XXXX XXXX Account Status Consistency : XXXX  : Canceled by credit grantor. Experian : Account has been closed due to inactivity. XXXX  : Accounts closed by credit grantor Credit card. The differing reasons for closure ( cancellation vs. inactivity ) could indicate an inaccuracy or lack of coordination in reporting. Balance Reporting : All bureaus report a balance of {$990.00} ( XXXX  and XXXX  ) or {$800.00} ( Experian ) Credit Limit Discrepancy : XXXX  and Experian report a Credit Limit of {$1000.00}. XXXX  reports a Credit Limit of {$0.00}. The {$0.00} credit limit on XXXX, despite a reported High Credit of {$1000.00}, is inconsistent and may indicate an inaccuracy, especially since the account was previously open with a credit limit. Date of Last Payment : XXXX  : XX/XX/year> Experian : XX/XX/year> XXXX  : XX/XX/year> The slight variation in the date of last payment ( XX/XX/year> vs. XX/XX/year> ) could point to a reporting error or misalignment in data updates. Despite providing sufficient evidence and details in my dispute letters, all three credit bureaus responded by verifying the information and refusing to delete or correct the inaccuracies. This verification does not reflect the maximum possible accuracy required under the FCRA.

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