Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Got it well pull XXXX and XXXX XXXX from the complaint so were laser-focused on the tradelines that actually appear on your Experian file. 

If you ever did want the last four digits of a closed card or loan : Old statements or emails from the creditor usually list them ( sometimes masked like XXXX XXXX XXXX XXXX XXXXXXXX ). 
Online banking archives even if the accounts closed, you can sometimes log in to see historic statements. 
CFPB complaint portal if youve complained before, uploaded docs might have them.

Credit reports from other bureaus ( Equifax, TransUnion ) sometimes they show more detail than Experian does.

Heres the stripped-down Experian CFPB complaint without those two accounts : Complaint Against Experian Ongoing Reporting of Unverified and Inaccurate Accounts Summary : I am filing this complaint because Experian continues to report multiple disputed accounts on my credit file that have not been fully verified. Experian is knowingly publishing unverifiable and inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ).

Details : I disputed the following accounts with Experian as inaccurate, unauthorized, or otherwise unverified : XXXX XXXX Charged-Off Account XXXX  XXXX XXXX Charged-Off Account Two Third-Party Collection Accounts ( unverified and never contracted with ) Aidvantage- This account is being reported in violation of a federal order and Department of Education determination. 
The loan originated from XXXX XXXX XXXX XXXX, which was sued by the U.S. government for misconduct, resulting in a federal court order and Department of Education announcement in 2022 that all related federal student loans are to be fully discharged and removed from borrowers credit reports.

My own discharge eligibility is confirmed by the Department of Education, which has stated in writing that my loans qualify for full forgiveness.

Any continued reporting of this account as active, in forbearance, or in repayment status is not only factually inaccurate, but also in direct violation of federal law and the binding order of the Department of Education.

I am demanding immediate deletion of this account from my credit file. Failure to comply will be treated as willful noncompliance under the Fair Credit Reporting Act and obstruction of a federal loan discharge process.

Despite my disputes, Experian : 1. Continued to mark these accounts as verified without furnishing documented proof from the original creditor or collector.

2. Failed to obtain or provide evidence that the accounts are accurate, complete, and authorized.

3. Allowed accounts to remain on my credit file beyond the investigation period without lawful verification.

This violates : FCRA 611 ( a ) ( 5 ) requires deletion of information that can not be verified within the investigation period.

FCRA 607 ( b ) requires maximum possible accuracy of all reported information.

FCRA 623 ( b ) requires reinvestigation with proof from furnishers, not reliance on automated data.

Harm : These entries have lowered my credit score, caused denials of credit, and damaged my reputation as a borrower.

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