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: CA

Complaint narrative:
Experian is reporting contradictory, impossible, and legally non-compliant information on my XXXX XXXX XXXX XXXX tradeline in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 611 ( a ), 611 ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 7 ), and Metro 2 reporting standards. This complaint is NOT about disputing the debt it is about Experians ongoing systemic failure to ensure maximum accuracy and their repeated use of false or contradictory data after multiple disputes. 

Experian is reporting the XXXX XXXX XXXX XXXX account as BOTH NEVER LATE and CHARGED OFF. This is impossible. A charge-off requires at least 180 days of delinquency. Reporting an account as never late and charged off is contradictory, inaccurate, and violates FCRA 1681e ( b ). No furnisher can legally verify contradictory data because contradictory data CAN NOT be verified. This is a systemic Experian reporting failure, not a dispute about the debt itself.

Experian is also illegally re-aging the account by updating balances on a CLOSED tradeline. The account is marked as Closed but Experian continues updating : Balance updated : XX/XX/XXXX Past due updated : XX/XX/XXXX Status updated : XX/XX/XXXX Amount written off : {$450.00} Past due : {$200.00} Balance : {$200.00} These numbers do not reconcile and contradict each other. Closed accounts can not legally receive new balance updates unless Experian or the furnisher is illegally re-aging the account in violation of FCRA 611 ( a ), 1681e ( b ), and 1681s-2 ( b ).

Experian also failed to apply the correct dispute code under Metro 2. Instead of reporting the federally-required XB code ( Consumer disputes, reinvestigation pending ), Experian chose to mislabel my file with consumer disagrees. This is a direct violation of FCRA 1681s-2 ( b ) and Metro 2 requirements. Failing to apply the correct XB code constitutes a willful interference with my federally protected right to dispute information.

Experian also refuses to provide a Method of Verification ( MOV ) after claiming the account was verified, which violates my federal rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). Experian claims to have completed an FCRA investigation but refuses to disclose : Who verified it What documentation was used What investigation steps were taken How contradictory data ( never late + charge-off ) could be verified This is a sham investigation and a willful violation of the FCRA. 

Further, TransUnion has already DELETED the exact same XXXX XXXX tradeline under FCRA 611 ( a ) ( 5 ) for inability to verify the information. This proves that the furnisher could not provide documentation and that Experian either : 1. did not investigate at all, 2. used automated e-OSCAR quick verify responses without human review, or 3. knowingly ignored contradictory information.

If a tradeline is unverifiable with one bureau, other bureaus are required under 1681e ( b ) to reinvestigate with heightened scrutiny not rubber-stamp the furnishers unverifiable data. 

Experian continues reporting legally impossible, internally contradictory, and mathematically inconsistent information. This is the definition of maximum inaccuracy. 

I am requesting that the CFPB compel Experian to : 1. Delete the XXXX XXXX XXXX XXXX tradeline under FCRA 611 ( a ) ( 5 ) because the information is contradictory, inaccurate, unverifiable, and illegally re-aged.

2. Provide the full Method of Verification, including ACDV/ATDV responses, codes, and documentation used.

3. Explain why Experian violated Metro 2 by refusing to apply the XB dispute code.

4. Explain why Experian continues updating balance information on a CLOSED account, which constitutes illegal re-aging.

5. Explain how an account can be never late and charged off simultaneously.

This complaint is NOT a duplicate. My previous dispute was about the accuracy of the tradeline. THIS complaint is about Experians reporting system violating FCRA 1681e ( b ) and failing to follow Metro 2 standards XXXX completely different legal issues. 

I request full regulatory review of Experians procedures, deletion of the inaccurate tradeline, and compliance with all applicable federal law.

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