Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Remove the inaccurate dispute remark and explain your so-called investigation. This is now the third time I am reporting this to Experian, and I feel completely ignored. Im a consumer who followed all the proper steps to dispute inaccurate information and yet Experian continues to report false and misleading information about me. 

Specifically, I disputed the XXXX XXXX XXXX credit card account ( account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Even though the account is marked Current, with no late payments shown at all ( as confirmed by your own records ), Experian has kept a derogatory remark that says Customer disputed account reported by subscriber. This makes it look like theres a problem with the account when there clearly isnt XXXX. 

This remark is inaccurate, misleading, and unfair, and Experian has not sent me a single letter explaining how they investigated this dispute. If youre going to keep that remark, I deserve to know : What exactly is being disputed? 

What evidence did you review? 

Why does XXXX  show meets FCRA requirements, but you refuse to correct your file? 

The attached credit report clearly shows : No late payments across all months on Experian. 

Account status is Current, with a {$0.00} past due. 

Payment history is consistently OK. 

XXXX  already resolved this same dispute in my favor. 

Yet Experian continues to ignore the facts. 

Laws Violated by Experian : FCRA 1681i ( a ) : You failed to conduct a reasonable reinvestigation of my dispute. Repeating what the furnisher says is not an investigation.

FCRA 1681e ( b ) : You have a legal duty to report information with maximum possible accuracy. A dispute remark without any negative payment history is inaccurate and misleading.

FCRA 1681s-2 ( b ) : Once a dispute is filed, both the bureau and the furnisher must correct or delete unverifiable information. This has not been done. 

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : I am entitled to a description of your reinvestigation procedures. You never provided this.

FCRA 1681g ( a ) ( B ) : You failed to disclose the specific nature of the dispute or the outcome, depriving me of full access to the information in my file. 

12 CFR 1022.43 ( c ) Regulation V : Experian must remove or update disputed information if it can not be verified. Youve done neither. 

Report Comparison As of XX/XX/year> ( XXXX OF XXXX ) : Bureau Status Dispute Remark Late Payments XXXX  Current '' Meets FCRA requirements '' None Experian Current '' Customer disputed account reported by subscriber '' None Equifax Current '' Consumer disputes this account information '' 30 days late in XX/XX/XXXX Experians data clearly contradicts itself : no late payments, current status, no past due balance, yet still keeping a derogatory dispute note and failing to explain why. 

How This Affects Me : This dispute remark makes it look like I have an unresolved issue when I do not. 

It may be hurting my creditworthiness and confusing lenders.

Ive spent months trying to fix this without a single explanation.

This is mentally and emotionally draining especially when Im doing everything right.

If Experian can not verify the accuracy, then remove the remark as required by FCRA 1681i.

I request that the CFPB take enforcement action if Experian continues to ignore federal law. 

This issue is not a misunderstanding. Its a pattern of noncompliance and lack of accountability from Experian. I am simply asking for the fair and lawful treatment that every consumer deserves.

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