Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing multiple inaccurate and misleading items Experian is reporting on my consumer file dated XX/XX/XXXX. Despite providing court documentation and bureau-to-bureau evidence, Experian has failed to maintain maximum possible accuracy and has not conducted a reasonable reinvestigation as required by the FCRA. 

XXXX ) Public Record XXXX XXXX XXXX XXXX XXXX XXXX  reports XXXX  XXXX filed XX/XX/XXXX, XXXX XX/XX/XXXX, Court shown only as XXXXXXXX XXXX XXXXXXXX, and reflects {$0.00} liability and {$0.00} assets. 

Experian reports XXXX  XXXX filed XX/XX/XXXX, XXXX XX/XX/XXXX, court listed as XXXX XXXX XXXX XXXX XXXXXXXX XXXX, On Record Until XX/XX/XXXX. 

XXXX  deleted this XXXX  after reinvestigation on XX/XX/XXXX ( Case/ID XXXX ). 

My court documents confirm the discharge and show the correct court name, address, and case information, which differ from what the CRAs display. 

Problem : Experian continues to treat this as an active derogatory factor with an extended on record date despite discharge and {$0.00} balances, and it shows incorrect or incomplete court details ( court name, address, case number ) and incorrect filing date relative to my certified records. This violates FCRA 607 ( b ) and 611, and fails Metro 2 reporting accuracy for public records. 

* XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) Account # XXXX XXXX  : Account is Closed/Paid, {$0.00} balance ; shows status codes consistent with closure and no ongoing derogatory status. 

Experian : Associates this account with bankruptcy/derogatory treatment despite the account having been paid and never late ( per its own consumer statement and my documentation ). 

TransUnion : This account is not reported. 

Problem : Experian is the only bureau tying this account to bankruptcy/derogatory status despite evidence it is paid/closed with no delinquencies. This is inaccurate and misleading under FCRA 607 ( b ) and Metro 2. 

* XXXX ) XXXX XXXX  Account # XXXX XXXX  : Closed/Paid, {$0.00} balance, narrative indicates reinvestigation ; no ongoing derogatory. 

Experian : Reports XXXX through XXXX  Potentially Negative with On Record Until XX/XX/XXXX. 

Problem : Experian again is the outlier, improperly treating a {$0.00}, closed utility account as a XXXX-related derogatory. This violates FCRA 607 ( b ) and Metro 2 accuracy/consistency.

Pattern : Bureau inconsistency ( XXXX  deleted the XXXX  ; XXXX  shows discharged/ {$0.00} ; Experian remains derogatory ). 

Incorrect public-record details ( court name/address/case number/filing date not matching certified court documentation ). 

Unreasonable reinvestigation by Experian ( appears to rely on third-party aggregators rather than original court records ), violating FCRA 611.

Steps I took & dates XX/XX/XXXX : XXXX  reinvestigation completed XXXX  deleted. 

XX/XX/XXXX : XXXX  shows XXXX  XXXX, {$0.00} liability/assets. 

XX/XX/XXXX : Experian report still lists XXXX  as derogatory On Record Until XX/XX/XXXX and XXXX XXXX and XXXX XXXX. 
Harm Experians inaccurate, inconsistent reporting depresses my creditworthiness, increases my cost of credit, and causes reputational harm when my report is pulled.

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