Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this formal dispute pursuant to the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. I demand a reasonable reinvestigation and deletion of inaccurate, unverifiable, misleading, and inconsistent information currently appearing on my consumer report. The following accounts contain reporting discrepancies and violations of federal law : 1. XXXX XXXX XXXX XXXX Acct : XXXX This account is reported as Paid, Closed ; was 60 days past due, however the reporting contains inconsistencies regarding payment history, account status, and dispute processing. The account was disputed previously, yet the reporting remained unchanged without sufficient validation or documentation. This raises concerns regarding compliance with 15 U.S.C. 1681i ( a ), requiring a reasonable reinvestigation. Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy. Reporting adverse information without competent verification constitutes negligent and/or willful noncompliance. 2. XXXX XXXX XXXX Acct : XXXX This account contains multiple inconsistencies and disputed reporting remarks, including repeated Account previously in dispute investigation complete comments and invalid reporting data. My report also reflects Invalid date remarks associated with this account. The payment history appears inconsistent across bureaus and includes disputed late payments that require strict verification under the FCRA. The reporting contains numerous 30-day late notations despite contradictory reporting periods and disputed reinvestigation comments. Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), consumer reporting agencies must conduct more than a superficial investigation and can not merely parrot information supplied by furnishers. Further, in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the XXXX held that consumer reporting agencies may be liable for failing to follow reasonable procedures to assure maximum possible accuracy. I am requesting the following : Immediate reinvestigation of all disputed accounts XXXX of verification used pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Copies of all documents relied upon during reinvestigation Deletion of any information that can not be fully verified within the statutory investigation period Removal of any inaccurate late payments, derogatory remarks, or misleading dispute comments Please note that failure to conduct a lawful reinvestigation may constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. I also reserve all rights to pursue private remedies in state or federal court for damages, attorneys fees, and any addit- [ ]

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