Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am writing to formally dispute the reporting of my XXXX account ending in XXXX, which is currently reported with a balance of {$0.00}, an open date of XX/XX/XXXX, and last activity dated XX/XX/XXXX. Upon careful review of my credit report, I have found that the information provided is inconsistent with my personal records and the accounts true history. Specifically, the open date, activity date, and other account details appear to have been inaccurately reported or improperly verified. The account, as reported, misrepresents my actual financial behavior and payment history, which may negatively influence lenders perception of my creditworthiness. Under FCRA 607 ( b ), furnishers and credit reporting agencies are required to implement reasonable procedures to ensure the maximum possible accuracy of all reported information. Additionally, under FCRA 611 ( a ) ( 1-5 ), I am entitled to request a reinvestigation of any information that is incomplete, inaccurate, or unverifiable. I therefore request that you contact XXXX  directly to verify all aspects of this account, including the open date, last activity date, balance, and any late payments. If this information can not be fully verified with supporting documentation, it must be corrected or updated to accurately reflect my true account history.

Furthermore, I dispute the reporting of my XXXX XXXX XXXX account ending in XXXX, listed with a {$0.00} balance, an open date of XX/XX/XXXX, and last activity reported XX/XX/XXXX. This account contains discrepancies that directly affect the accuracy and completeness of my credit file. The reporting is inconsistent with other credit reporting sources and fails to accurately reflect my payment history and account status. Inaccurate reporting of open and last activity dates, balances, or account status is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from providing information they know, or should reasonably know, is inaccurate. It is critical that this account be thoroughly verified with XXXX XXXX, including all records of payments, dates of activity, and any other relevant account details. I request that any unverifiable or inaccurate information be corrected to ensure that my credit file is complete, accurate, and up-to-date. Misrepresentation of this account introduces confusion and materially misstates my financial responsibility, which could adversely affect credit decisions made by lenders.

Finally, I dispute the reporting of XXXX XXXX XXXX  account ending in XXXX, which shows a {$0.00} balance, an open date of XX/XX/XXXX, and last activity reported on XX/XX/XXXX. This account appears to be tied up with other accounts or reported inconsistently across the credit bureaus, leading to further inaccuracies. The reporting of incorrect open dates, last activity dates, and balances violates the requirements of FCRA 607 ( b ) and FCRA 611 ( a ) ( 5 ) ( A ), which mandate accuracy, completeness, and verifiability of all information furnished to credit reporting agencies. I request a full reinvestigation of this account, including verification of the open date, balance, last payment, and any other relevant details directly with XXXX XXXX XXXX. Any information that can not be verified must be corrected to reflect the true account history. Accurate reporting of this account is critical to maintaining the integrity of my credit profile, preventing confusion, and ensuring fair access to credit based on an accurate representation of my financial history.

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