Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
Summary of the Problem I am requesting permanent deletion of a XXXX XXXX business credit-card tradeline that Experian continues XXXX report even though XXXX has already removed it after a single investigation. Experian does not seem to be actually investigating the matter, which is why I'm escalating my complaint. I am now escalating this complaint because XXXX XXXX has already issued a written apology in a previous CFPB case after acknowledging serious errors related to my accounts. This continued reporting appears to be a direct extension of that prior misconduct and I believe they are engaging in unlawful business practices. 

I have been unable to get verification documents from XXXX XXXX of opening of this account or any personal guarantee records yet I am being impacted by this tradeline, which has reduced my XXXX XXXX by over XXXX points. XXXX XXXX has opened themselves up to a serious litigation and Experian is supporting the negative impact this has had on me financially and emotionally. I am requesting that Experian remove the tradeline immediately. 

Because one nationwide CRA has concluded the account is unverifiable or otherwise unsuitable for reporting, Experian must either ( a ) obtain complete, documented verification from the furnisher that satisfies its obligations under the Fair Credit Reporting Act ( FCRA ) or ( b ) delete the tradeline. XXXX deletion places Experian on notice that continued reporting may violate FCRA 1681e ( b ) and 1681i. 

Experian does not seem to be engaging in any data gathering or verification, as I've gotten same-day denials of my dispute and boilerplate denials with no indication that my request was properly investigated. Under Section 607 ( b ) of FCRA, consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of the information included within a consumer report for the purposes of background screening. I request that Experian provide written confirmation of deletion or, if deletion is refused, provide full documentation Equifax and Experian relied upon to verify the tradelineincluding the official signed copies of this account 's opening and any signed personal guarantee, any furnisher records, account-level Metro 2 fields, and reinvestigation notesso I may pursue further remedies as I assess the extent of my damages. I have been denied housing as a result of this misreporting. I am not taking this situation lightly and I demand immediate relief. I was even told by XXXX XXXX bank in-person by several customer-facing employees to pursue legal action because the circumstances are highly unusual and even they suspect misconduct on XXXX XXXX 's end. I was advised that CFPB would be a better route to actually get prompt relief instead of the painful runaround I've been receiving from XXXX XXXXXXXX, and now Experian. 

FCRA 1681e ( b ) maximum possible accuracy Reporting a tradeline that one national CRA found unverifiable or inaccurate without independent verification undermines the accuracy Equifax and Experian must assure. 

FCRA 1681i ( a ) reasonable reinvestigation After my dispute Experian must obtain documented verification from XXXX XXXX. If the furnisher can not or will not supply it, Experian must delete. 

Inconsistent bureau reporting divergent outcomes across CRAs are a recognized CFPB red-flag for potential data-quality problems that must be resolved in favor of accuracy. XXXX removal of the tradeline highlights that one bureau has deemed the data unverifiable. That places Experian on notice of a material inconsistency that must be resolved in my favor. 

Please resolve in a timely manner. Thank you for your attention to this matter.

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