This is my experience too. I have aphantasia for all intents and purposes but I have had one single experience years ago during meditation where I suddenly experienced "being in" a scene that was vivid and clear that I knew to not be real. It's nothing like when I "imagine" something and don't see anything.

It was also nothing like when I dream, where I too can visualise - it was much clearer.

It's clear to me that most of the time when people question that this is possible, it's an indicator they have aphantasia.