Consumer complaint received 2025-05-10 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: CO

Complaint narrative:
XXXX. XXXX XXXXXXXX XXXX XXXX Reported with a balance that exceeds the original amount ; unverifiable and inconsistent with other bureaus. 
XXXX. XXXX XXXX XXXX XXXX : Inflated balance reported ( {$550.00} vs. {$280.00} originally ) ; unverifiable charges. 
XXXX. XXXXXXXX XXXX  : Charge-off reported with possible re-aging and missing payment history. 
XXXX. XXXX XXXX XXXX : Inconsistent late payment reporting ( 120 days late in XX/XX/year> ) vs other bureaus. 
XXXX. XXXX : Marked 90 days late but shows no payment history. 

I am formally disputing the accuracy and legality of the XXXX XXXX XXXX account listed on my credit file under Account # XXXX for the original creditor XXXX XXXX XXXXXXXX XXXX. The reported balance exceeds the original debt, which is a material inaccuracy and a violation of XXXX5 U.S. Code 1692e ( 2 ) ( A ), which prohibits the false representation of the character, amount, or legal status of any debt. 
Also, collection account reported by XXXX XXXX XXXXXXXX XXXX XXXXXXXX, appearing under Account # XXXX. The reported balance of {$550.00} is inaccurate and exceeds the original debt of {$280.00}, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ) which prohibits furnishing inaccurate data to credit reporting agencies. 
Additionally, the reporting fails to meet verification standards under the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ). I have not received complete validation of this debt per 15 U.S. Code 1692g ( b ). 
Further more, no legally sufficient validation of this debt has been provided, despite the requirements of FDCPA 809 ( b ). There is also no justification or documentation to support the addition of nearly 100 % in fees or penalties.

This type of inflated balance may be considered a deceptive collection practice and a violation of FDCPA 807 ( 2 ) ( A ). 
A formal demand for the deletion of the XXXXXXXX XXXX account ( # XXXX ), which is reported as a charge-off with a past due balance of {$1200.00}. 
This account has been reporting for over 7 years, including months with no payment history, and appears to have been re-aged, which is a direct violation of FCRA 605 ( a ) ( 4 ) and 15 U.S.C. 1681c. Credit accounts that have been charged-off may not remain on a credit report longer than 7 years from the original delinquency date. 
Additionally, I have not received any verification of this debt under FCRA 611 ( a ) nor a full validation of this alleged debt per FDCPA 809 ( b ).

There was no verifiable records produced, they are in violation of FCRA 1681i and subject to damages under 1681n/o. 

XXXX XXXX XXXX ( Late Payment Dispute ) I am formally disputing the reported late payments on my mortgage account with XXXX XXXX XXXX ( Account # XXXX ). The account is being reported as 30, 60, and 120 days late across different credit bureaus with conflicting dates and statuses.These inconsistencies across Experian, XXXX XXXX XXXX indicate a failure to ensure maximum possible accuracy, as required by the Fair Credit Reporting Act under 15 U.S. Code 1681e ( b ). If XXXX can not consistently report the same late payment details across bureaus, the accuracy and reliability of the entire record is compromised.Additionally, I have not received proper written notice of delinquency as required by 12 CFR 1024.39 ( d ) under the RESPA servicing rule.Therefore, I am requesting an immediate full deletion of all late payment because XXXX did not produce full, verifiable, and consistent documentation. This letter serves as formal notice under FCRA 611 and 1681i. Please delete immediately Specific Legal Violations : 15 U.S.C. 1681i : Under this provision, the information that is disputed must be investigated within 30 days, and any unverifiable or inaccurate information must be permanently removed from the credit report. 
15 U.S.C. 1681e ( b ) : This law mandates that credit reporting agencies must ensure that all information reported is accurate and complete.

15 U.S.C. 1692g : Under the FDCPA, creditors and collectors must provide full verification of debts if disputed by the consumer. In the absence of proper verification, the debt must be removed.

15 U.S.C. 1666b : Under TILA, creditors are required to investigate and resolve billing errors within a reasonable time frame. I dispute the late payments as billing errors and request that they be investigated and resolved in accordance with this provision.

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