Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of multiple DEPTEDXXXX accounts ending in XXXXXXXX XXXX XXXX XXXX XXXX which appear on my credit report with balances of {$3700.00}, {$7200.00}, {$5900.00}, {$8200.00}, {$4800.00}, {$6600.00}, {$11000.00}, and {$4200.00}. According to the report, these accounts were opened between XX/XX/XXXX, and XX/XX/XXXX, and the last reported activity is XX/XX/XXXX. Each account is reported as having multiple late payments, including XXXX days late in XXXX XXXX, XXXXXXXX days late in XXXX XXXX XXXX  days late in XX/XX/XXXX, and other variations. Upon careful review of my personal account records, statements, and payment confirmations from DEPTEDXXXX, I have found that these reported late payments are materially inaccurate. I have consistently maintained the accounts in accordance with my contractual obligations, and there is no evidence in my records supporting the reporting of these severe delinquencies. The reporting of these late payments misrepresents the true status of my accounts, introduces misleading information into my credit file, and can negatively impact my ability to access fair credit, influence interest rates, and affect lenders perception of my financial responsibility. Under FCRA 607 ( b ), furnishers and credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the reported information. The repeated reporting of unverifiable late payments constitutes a violation of this statutory requirement. Additionally, under FCRA 611 ( a ) ( 1-5 ), I am entitled to request a thorough reinvestigation of any information that is incomplete, inaccurate, or unverifiable. I am therefore requesting that your bureau contact DEPTEDXXXX directly to verify the balances, payment history, dates of activity, and all reported late payments for each account. Any information that can not be verified with supporting documentation must be corrected, updated to accurately reflect my financial history. 
Furthermore, I dispute the reporting of XXXX XXXXXXXX account ending in XXXXXXXX XXXX XXXX with a balance of {$2500.00} XXXX XXXX and XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX with a balance of {$11000.00}, * * which are currently listed as charge-offs and tied up. These accounts are inaccurately reported as delinquent and charged off, while my records indicate that the accounts were either paid, closed, or otherwise in good standing according to the terms of my agreement with the creditors. The reporting of these accounts as charge-offs introduces materially inaccurate information that misrepresents my credit obligations and financial behavior. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know, or should reasonably know, is inaccurate. Reporting these charge-offs without proper verification violates federal law and creates a misleading picture of my creditworthiness. I request that each of these accounts be thoroughly investigated directly with the original creditors, including verification of all balances, payment history, dates of last activity, and account status. Any unverifiable information must be corrected, updated to reflect the accurate account history. Proper documentation supporting each reported charge-off must be provided, and if unavailable, the accounts must be corrected to prevent further misrepresentation of my credit file.

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