Consumer complaint received 2026-05-14 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:
I am filing this complaint regarding inaccurate, contradictory, and unverifiable credit reporting by Experian and XXXX XXXX concerning my XXXX XXXX auto loan account. For approximately nine months, from around XX/XX/XXXX through XX/XX/XXXX, XXXX XXXX reported my account to Experian with a XXXX XXXX XXXX status. During this time, I repeatedly disputed the bankruptcy reporting with Experian because the information was inaccurate and unverifiable. Despite multiple disputes and supporting documentation, Experian repeatedly responded that the information had been verified as accurate. I separately disputed the bankruptcy directly with XXXX, a major public-record data furnisher commonly relied upon by consumer reporting agencies. XXXX determined that the bankruptcy information was unverifiable and removed it from their system. I provided this evidence directly to Experian during my disputes. Despite receiving evidence that the bankruptcy information was unverifiable, Experian and XXXX XXXX continued responding that the account information was verified. I also requested the method of verification and supporting documentation used to verify the bankruptcy reporting. I did not receive meaningful verification or documentation explaining how the bankruptcy continued to be verified after XXXX had already determined the information was unverifiable and removed it from their system. Then, on or about XX/XX/XXXX, the bankruptcy notation was suddenly removed from the tradeline and replaced with a balance of approximately {$28000.00}. This directly contradicts the prior repeated verified responses and raises serious concerns regarding the accuracy of the investigations conducted by Experian and XXXX XXXX. If the bankruptcy information was truly verified as accurate for months, there should be a clear explanation as to why the bankruptcy reporting was later removed. The inconsistent reporting strongly suggests the information was never properly verified in the first place. I believe Experian violated the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681i ( a ), by failing to maintain maximum possible accuracy and failing to conduct a reasonable reinvestigation of my disputes. I further believe XXXX XXXX furnished inaccurate, inconsistent, and unverifiable information. As a result of this inaccurate reporting, I suffered harm to my credit profile, emotional distress, frustration, and financial damages. I request the following : Immediate deletion or correction of all inaccurate bankruptcy-related reporting associated with this account ; A complete explanation of how the bankruptcy information was verified after XXXX deemed it unverifiable ; The full method of verification used by Experian and XXXX XXXX ; Correction or deletion of the inaccurate balance and account status currently being reported ; Assurance that no further inaccurate or contradictory information will be furnished or reported. I request a full investigation into these reporting practices.

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