Consumer complaint received 2025-04-07 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: IL

Complaint narrative:
I am writing to file a formal dispute regarding inaccurate, inconsistent, and unverifiable information being reported on my credit file by XXXX XXXX XXXX XXXX XXXX ( also listed as XXXX XXXX XXXX XXXX XXXX ). These inaccuracies are reflected in both my XXXX and Experian credit reports and are causing undue harm to my credit standing. 

XXXX Report ( Summary ) : Account Number : XXXX High Balance : {$190000.00} Date Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : 120 Days Late Remarks : Transferred to another lender Experian Report ( Attached Generated XX/XX/XXXX ) : Account Name : XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : FHA Mortgage Original Balance : {$190000.00} Terms : 30 Years Last Payment Date : XX/XX/XXXX Status Updated : XX/XX/XXXX Payment History : 180 Days Past Due for XX/XX/XXXX Remarks : Transferred to another lender Summary of Dispute : These reports contain conflicting, misleading, and likely unlawful information, including : Conflicting delinquency statuses ( 120 days late on XXXX vs. 180 days late on Experian ). 

No record of sequential delinquencies ( i.e., 30, 60, 90 days late ) prior to these serious late payment claims. It is improper and a violation of standard credit reporting practices to report a 120- or 180-day delinquency without first establishing a consistent record of escalating missed payments. 

Lack of substantiating documentation. According to my records, the last payment was made in XX/XX/XXXX. Reporting a 180-day delinquency more than a year laterwithout ongoing monthly payment obligations or proofis both inaccurate and misleading. 

Legal Grounds : 1. Right to Accurate Reporting ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) : Information furnished must be accurate and verifiable.

15 U.S.C. 1681 ( a ) : The purpose of the Act is to ensure fair and accurate credit reporting.

15 U.S.C. 1681 ( 4 ) : Inaccurate reporting can unjustly harm consumers seeking credit, housing, or employment.

2. Right to Privacy : As a consumer, I retain the right to privacy over my financial data. Reporting unverifiable transactionssuch as alleged late payments without clear evidenceviolates that right. These late payments are not public record judgments or verified collections ; they are internal transactional claims that should not be included unless fully validated. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) : In this case, the court ruled that billing statements alone are insufficient proof of indebtedness. Creditors must provide admissible, verifiable documentation to establish the accuracy of derogatory credit marks. If XXXX can not produce hard proofsuch as a signed agreement, payment ledger, or detailed accountingtheir negative reporting can not stand.

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