Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX for inaccurate, misleading, and deceptive reporting practices that violate the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

I have formally disputed the account ( # XXXX ) on multiple occasions, yet Experian continues to report incorrect and unverifiable data, including : False Reporting of 180-Day Late Payments Experian is reporting continuous 180-day late payments over multiple months, despite inconsistencies in balance and past due amounts.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) mandates that credit furnishers report only accurate, complete, and up-to-date information, which Experian has failed to ensure.

Billing Errors in Violation of 15 U.S.C. 1666B I have always paid as agreed, and this account should not reflect delinquency. 
Experian and XXXX are both responsible for ensuring the accuracy of reported accounts, yet they continue to misrepresent my payment history. 
Failure to Conduct a Proper Investigation ( FCRA 611 ) My credit report states : Account was in dispute now resolved - reported by subscriber.

However, I never received verification of the debt or proper validation from ZuntaFi.

Under FCRA 611 ( 15 U.S.C. 1681i ), Experian is required to conduct a proper reinvestigation and verify disputed information before marking the dispute as resolved.

Failure to Verify Debt Under FDCPA 1692g I have requested debt validation from XXXX, but they have failed to provide legally required documentation, including : A copy of the original agreement with my wet ink signature. 
An itemized breakdown of all charges, fees, and interest applied to the account. 
A complete chain of custody proving legal ownership of the debt. 
Furnishing unverified debt information to Experian is a violation of federal law. 
Re-Aging of the Account ( FCRA Violation ) Date Last Active is XX/XX/year>, but Date of Last Payment is XXXX discrepancy suggests re-aging, which is illegal under FCRA 1681c ( c ).

Experians Failure to Ensure Accuracy ( FCRA 1681e ( b ) ) Credit reporting agencies have a legal duty to ensure the accuracy and integrity of reported data before listing it on a consumers credit report. 
The contradictions in my credit report indicate that Experian did not properly verify the furnished information before reporting it. 

XXXX HISTORY OF LEGAL DISPUTES & CONSUMER COMPLAINTS XXXX has a documented history of legal disputes and consumer complaints, which raises additional concerns about the credibility of their reporting practices : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Legal action was taken against XXXX for financial misconduct. 
XXXX v. ZuntaFi ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were challenged in court. 
XXXX XXXX XXXX XXXX XXXX  ) Complaints Consumers have repeatedly reported billing errors, misapplied payments, and inaccurate credit reporting against XXXX.

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