Consumer complaint received 2025-11-11 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:
XXXX XX/XX/year>XXXX  I filed multiple disputes with Experian through its online portal. For each disputed tradeline, I expressly requested the Method of Verification ( MOV ) under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). Experian returned generic verified/updated results without providing MOV. There was no description of its procedure, no furnisher names, addresses, or phone numbers, no ACDV dates or responses, and no identification of the documents relied upon. Under 15 USC 1681i ( a ) ( 1 ) ( 2 ) and 1681i ( a ) ( 5 ), Experian must conduct a reasonable reinvestigation and delete any information that is inaccurate, incomplete, or can not be verified. Under 15 USC 1681e ( b ) it must use reasonable procedures to assure maximum possible accuracy. Experian did not do so. 

Accounts and issues where MOV was requested and not provided XXXX. XXXX XXXX XXXX XXXX  XXXX  Five late-payment codes and a past-due amount continue to report. MOV requested for each alleged late and for the DOFD used. None provided. 
XXXX. XXXX XXXX XXXX XXXX loan Two late codes and a past-due amount. MOV requested for ledgers supporting 30-day delinquencies. None provided. 
XXXX. XXXX XXXX XXXX XXXX loan One late code and a past-due amount. MOV requested for proof of delinquency date and amount. None provided. 
XXXX. XXXX XXXX XXXX XXXX About twenty months coded late with past-due showing. MOV requested for each late and any hardship or forbearance coding. None provided. 
XXXX. XXXX XXXX  credit card ( charged off ) Past-due and charge-off still report ( about {$4600.00} ). MOV requested for DOFD and itemized balance. None provided. 
XXXX. XXXX XXXX  XXXX ( charged off ) Reports about {$53000.00} past due and {$63000.00} written off. MOV requested for note, full payment history, DOFD, charge-off date, and itemized accounting. None provided. 
XXXX. XXXX XXXX XXXX ( lates and settlement remark ) MOV requested for each late and settlement terms. None provided. 
XXXX. XXXX XXXX XXXX ( negative months and settlement ) Reports XXXX negative months and $ XXXX written off. MOV requested for DOFD and itemized pre-settlement balance. None provided. 
XXXX. XXXX XXXX XXXX XXXX ( revolving ) XXXX late codes and settlement remark. MOV requested for each late code. None provided. 
XXXX. XXXX XXXX closed card Late codes and paid less than full remark. MOV requested for DOFD and any charge-off coding. None provided. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX accounts ) About {$9700.00} and {$6000.00}. I have repeatedly requested chain of title and ownership records both directly from XXXX and via Experian. No account-specific bill of sale or assignment schedule identifying my accounts has been produced. Experian still reports these and provided no MOV. 
XXXX. XXXX XXXX XXXX collection ( XXXX ) About {$18000.00}. I have repeatedly requested chain of title and ownership records directly and via Experian. No account-specific assignment or ownership proof has been produced. Experian still reports this and provided no MOV. 
XXXX. XXXX XXXX XXXX  XXXX XXXX ( XXXX charged-off accounts ) About {$8100.00}, {$5000.00}, and {$8000.00}. MOV requested for DOFD and itemized charge-off balances. None provided. 

For multiple accounts I also asked Experian to confirm the Date of First Delinquency used, because items reported beyond seven years from 180 days after DOFD must be removed under 15 USC 1681c ( a ) and 1681c ( c ) ( 1 ). Experian did not provide MOV showing the DOFD it relied upon. 

The lack of MOV and the continuation of entries that can not be documented are harming my credit profile.

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