Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17904976
Complaint Overview
Complaint ID: 17904976
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33321
Date Received: 2025-12-09T12:00:00-05:00
Date Sent to Company: 2025-12-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed a Bank XXXX XXXX account ( ending in XXXX ) with Experian on XX/XX/year>. The account is reported as a charge-off with a {$2000.00} balance and {$2000.00} past due. Experian marked the investigation as verified and left the tradeline unchanged. This verification is inaccurate and violates the Fair Credit Reporting Act because XXXX XXXX XXXX no longer owns, services, or verifies this account. The account has been assigned to a third-party collection agency, most recently XXXX XXXX XXXX XXXX XXXX, XXXX confirmed in recent written communication. Because the account has been transferred for collection, Bank XXXX XXXX can not verify a current balance, can not verify a past-due amount, and can not provide accurate reinvestigation data. Experian conducted an unreasonable investigation by contacting the wrong furnisher. This violates : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) reporting information a furnisher knows ( or should know ) is inaccurate FCRA 623 ( a ) ( 3 ) failing to accurately update the tradeline as disputed After a debt is transferred or placed with a third party, the original creditor must report : {$0.00} balance {$0.00} past due Sold/Transferred status No new balance updates However, Experian continues showing : A {$2000.00} active balance A {$2000.00} past-due amount New balance updates as recent as XX/XX/year> A verification from an entity that no longer furnishes current data This is misleading, inaccurate, and harmful to my credit profile.
Frequently Asked Questions
What is Complaint #17904976 about?
Complaint #17904976 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-12-09T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.