Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I am disputing multiple inaccurate, outdated, and unverified accounts on my credit report, which are damaging my credit profile. I exercised my rights under the Fair Credit Reporting Act ( FCRA 1681i ) and sent certified letters to the credit bureaus demanding a reinvestigation and removal of the following accounts due to failure to meet legal reporting requirements. The bureaus failed to properly investigate or are claiming the data is verified without providing any supporting documentation. 

Here is a summary of the errors : XXXX XXXX XXXX Account reported as closed and charged off with a {$0.00} balance and no payment history or documentation. This entry is unverifiable and misleading. 

XXXX XXXX XXXX  This creditor is listed TWICE under different reporting histories for the same account number ( XXXX ). One entry reports 90 days late, another reports 30 and 60 days late. This is duplicate reporting and both should be removed if not fully verified. 

XXXX XXXX XXXX Account reports closed with derogatory payment history but no supporting data. There is no valid contract or payment record. This account is outdated and unverifiable. 

XXXXXXXX XXXX XXXX  Closed charge account showing 30, 60, and 90-day late payments with no complete history or documentation. This negative reporting is harming my score and must be removed unless fully verified. 

XXXX XXXXXXXX There are TWO entries under the same creditor name : One is open and marked " paid or paying as agreed '' The other is closed but also reports lates. This is redundant and misleading. The closed version should be deleted as duplicate reporting under FCRA 1681s-2. 

XXXX XXXX Another closed charge account reporting 30 and 60-day lates with no activity since XXXX. This information is stale and unverifiable and should no longer be reporting derogatorily. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account closed in XXXX, marked with a 60-day late payment and paid or paying as agreed. Conflicting reporting that is legally inconsistent and not supported with any documentation. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  showing 30, 60, and 90-day lates with no clear record of payments. Closed by the grantor with no last payment date provided. This is incomplete and unverifiable. 

XXXX XXXX XXXX XXXX A collection for {$9200.00} allegedly for XXXX XXXX XXXX XXXX. I have never received any notice, bill, or validation from this agency. There is no original contract, no breakdown of the charges, and no communication. This account is unverified and must be deleted under FCRA standards. 

Despite multiple disputes, the credit bureaus are verifying these accounts without providing original source documentation, which violates FCRA 1681i and 1681s-2. Simply parroting the data from the original furnishers is not enough under federal law. 

I am requesting the CFPB enforce immediate corrective action by requiring the credit bureaus and furnishers to either : Provide full legal verification ( contracts, signed agreements, payment records ), or Permanently delete these accounts from my report. 

I have attached copies of my dispute letter and identification for verification purposes.

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