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: FL

Complaint narrative:
The company failed to address or respond to the XXXX evidence I submitted in this complaint. Their reply is a copy/paste of their old response from previous CFPB cases ( CFPB # XXXX and XXXX ), which means no reinvestigation occurred as required under FCRA 611 ( a ) ( 1 ) ( A ). 

My new evidence shows : altered date opened fields inconsistent past-due balances payment history that contradicts their prior reporting Experian displaying invalid data errors multiple conflicting entries across months These are NEW violations under FCRA 623 ( a ) ( 1 ) ( A ), which PRA failed to address.

They simply repeated their prior statement without reviewing the new documentation.

This is a refusal to reinvestigate and is a violation of the FCRA. 
I am requesting that the CFPB escalate this matter for supervisory review, as the furnisher is knowingly furnishing inaccurate information and refusing reinvestigation despite multiple disputes and evidence. 

The companys response is inadequate and fails to address the new evidence submitted with this complaint. Instead of reinvestigating, XXXX repeated the same boiler-plate response from prior CFPB complaints ( # XXXX and # XXXX ), violating the FCRAs reinvestigation requirements. 

XXXX. Violations of FCRA 623 ( a ) ( 1 ) ( A ) XXXX is furnishing information that is false and materially misleading, including : Reporting a new date opened of XX/XX/year>, Reporting a XXXX late payment and past-due status in XX/XX/year>, Even though the account was closed by the credit grantor on XX/XX/year> and the credit line was closed XX/XX/year>. 

Furnishers are prohibited from submitting information they know or should know is inaccurate. 

XXXX. Violation of FCRA 611 ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation XXXX did not reinvestigate the new conflict between the closure dates and the newly added late payment. 
Instead, they repeated a prior response demonstrating no new investigation was performed, which is a statutory violation. 

XXXX. Violation of FCRA 1681e ( b ) Duty to Maintain Maximum Possible Accuracy Experian and the furnisher are reporting : a false new open date, a post-closure late payment, and contradictory closure status. 

This fails the legal requirement to ensure maximum possible accuracy. 

XXXX. Violation of FCRA 623 ( a ) ( 2 ) Duty to Correct and Update Inaccurate Information XXXX is required to correct inaccurate data and update the CRAs. 
They refused, stating only that our position hasnt changed, despite new evidence. 

XXXX. Violation of FCRA 623 ( b ) Failure to Conduct Proper Investigation After Notice From a CRA Once Experian notified XXXX of my dispute, XXXX was legally required to : investigate, review all relevant information, and correct or delete inaccurate data. 

They did none of these. 

Summary The inaccurate reporting of a post-closure late payment and a new open date is impossible and misleading. 
Aspires refusal to reinvestigate violates multiple sections of the FCRA, and I am requesting that CFPB escalate this matter for supervisory review and require : XXXX. A true reinvestigation, and XXXX. Removal or correction of the XXXX/XXXX  tradeline.

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