Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute inaccurate and unverifiable information currently appearing on my Experian credit report. I am requesting a thorough reinvestigation under the Fair Credit Reporting Act ( FCRA ), and I expect that any information that can not be verified with documented evidence must be permanently removed in compliance with federal law. 

The following items are currently being reported inaccurately and are causing significant harm to my credit standing. Each account listed below includes the reason for dispute, the applicable legal provisions under the FCRA, and a personal statement explaining why the entry is erroneous or misleading. 

Incorrect Addresses XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Issue : These addresses do not belong to me and are not part of my residence history. 

Law : FCRA 607 ( b ) Consumer reporting agencies must assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) Consumers have the right to know the sources of information in their file.

Story : I have never lived at or been associated with either of these addresses. Their presence on my credit file is incorrect and increases the risk of misidentification or file merging with another consumer. I request immediate deletion of these unverifiable addresses from my Experian credit report. 

XXXXXXXX XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$2600.00} Status : Late Payment Issue : Alleged late payment is inaccurately reported and lacks proper validation. 

Law : FCRA 607 ( b ) Reporting must be accurate and complete.

FCRA 611 ( a ) Consumers have the right to dispute information and request reinvestigation.

Story : I never received timely communication or billing notice from XXXX XXXX  regarding this account. The reporting of a late payment without any prior warning, billing record, or grace period violates my right to fair and accurate reporting. I request removal or correction of this account if no verifiable documentation can be provided by the creditor. 

XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX High Balance : {$5500.00} Status : Late Payment Issue : Unverified and outdated late payment history. 

Law : FCRA 605 ( a ) ( 5 ) Limits reporting of derogatory information to seven years.

FCRA 609 ( a ) Consumer has a right to review the source and documentation of reported data. 

Story : The alleged late payment dates back nearly a decade and can not be verified. I have not received any original statements or proof of delinquency, and I believe this to be outdated or inaccurate. If Experian can not verify this account with complete records, I request that it be deleted from my report. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$37000.00} Status : Late Payment Issue : Unfair and unvalidated reporting of a late payment. 

Law : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing information that is known to be inaccurate.

FCRA 611 ( a ) Requires investigation upon dispute. 

Story : I never received any documentation indicating I was past due on this account. This reporting appears to be a system or administrative error. Unless Experian can furnish documented proof from the creditor confirming the validity of the late payment, the account must be corrected or removed immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Date Opened : XX/XX/XXXXXXXX  High Balance : {$3400.00} Status : Charge Off Issue : Charge-off status is inaccurate, and the account reporting lacks consistency. 

Law : FCRA 607 ( b ) Information must be complete and accurate.

FCRA 623 ( b ) Furnishers must conduct an investigation if an item is disputed. 

Story : This account shows inconsistent balance and payment information. I have attempted to obtain validation or settlement documentation with no success. The continued reporting of this charge-off without complete and accurate data violates the FCRA. I request a full investigation and deletion if the account can not be verified. 

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$55000.00} Status : Late Payment Issue : Recently reported late payment is false and unsupported. 

Law : FCRA 623 ( b ) Furnishers must investigate disputes and update or delete inaccurate data.

FCRA 611 ( a ) ( 5 ) Any unverifiable account must be deleted within 30 days. 

Story : I have never received a delinquency notice or documentation showing I missed a payment on this new account. The late reporting is not only unexpected but appears to be inaccurate. I am requesting full documentation of the alleged late payment or immediate removal of the negative mark from my credit report. 

Final Notice and Request I am requesting that you investigate these items as required by the FCRA. If any item can not be verified with complete documentation and accuracy, it must be deleted from my credit report. I expect written confirmation of your findings and a revised credit report reflecting all corrections. 

If this matter is not resolved within the 30-day legal timeframe, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore legal options for damages related to negligent reporting.

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