Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX XXXX XXXX account ending in XXXX, which is currently being reported as late open with a balance of {$15000.00} and the last activity listed as XX/XX/XXXX. According to my records, this account was opened on XX/XX/XXXX, and has been managed responsibly at all times. From the very beginning of this account, I maintained diligent payment schedules and ensured that all obligations were met on time. The classification of late open is factually incorrect and misleading, as there was no delinquency at account opening or in the subsequent months. This misrepresentation has a direct impact on my financial reputation, as it may create the false impression that I failed to meet my financial obligations. Such errors can influence lending decisions, interest rates, and the overall perception of my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ) ( 15 ), reporting entities are required to maintain maximum possible accuracy of all information, and furnishers are obligated under 623 ( a ) ( 1 ) ( A ) to ensure that the information they provide is accurate and verifiable. I respectfully request a thorough reinvestigation of this account, verification of all reported details, and immediate correction of the late open designation if verification can not be provided.

I am also disputing the reporting of my XXXX XXXX XXXX XXXX account ending in XXXX, which is currently reported as new late open with a balance of {$45000.00} and the last activity recorded as XX/XX/XXXX. This account was opened on XX/XX/XXXX, and I have always made consistent and timely payments, keeping the account in good standing. The new late open classification is inaccurate and gives a misleading account of my financial responsibility. I take my obligations seriously and have never defaulted on any scheduled payment. Misreporting this account has caused unnecessary stress and concern regarding my credit profile, as it suggests irresponsible behavior that does not exist. The inaccurate information not only affects my ability to access credit on fair terms but also impacts my peace of mind, as I must constantly monitor and dispute errors that are beyond my control. Under FCRA 607 ( b ) and 611 ( a ) ( 15 ), I am entitled to dispute any incomplete, inaccurate, or unverifiable information, and have it corrected. Additionally, 623 ( a ) ( 1 ) ( A ) requires that furnishers report only information that is accurate, complete, and verifiable. I am requesting a full investigation into this account, verification of the reported status, and correction of the new late open notation if it can not be substantiated with proper documentation.

The combined effect of these inaccuracies has been significant, both financially and personally. The misclassification of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} Open date XX/XX/XXXX Last activity XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX reported in XXXXXXXX XXXX XXXX  XXXX XXXX accounts as late open or new late open creates a false narrative of delinquency that does not exist and unfairly damages my credit profile. These errors have real-world consequences, including higher interest rates, loan application denials, and challenges in securing fair lending opportunities. Beyond the financial impact, the continued presence of inaccurate information imposes a substantial emotional and administrative burden, requiring ongoing monitoring, repeated disputes, and constant vigilance to protect my credit history. It is extremely stressful to see a record of responsible financial behavior misrepresented, particularly when it affects opportunities for housing, education, or other essential financial needs. Under FCRA 611 ( a ) ( 15 ), I am requesting a complete reinvestigation of both accounts, including written confirmation of the findings, verification of all reported details, and an updated credit report reflecting accurate balances, opening and last activity dates, and account status. Correcting these errors is critical to restore the accuracy, integrity, and reliability of my credit profile, to ensure compliance with federal law, and to protect my ability to access fair and unbiased credit opportunities.

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