Consumer complaint received 2026-04-29 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 submitting this complaint to the Consumer Financial Protection Bureau because after carefully reviewing my credit reports across Experian , Equifax, and TransUnion, I have identified several accounts that are being reported in a way that does not fully or accurately reflect the true history and current status of my credit obligations, and I am requesting a full and complete investigation into the reporting practices and accuracy of these tradelines because my credit file should properly reflect accurate, complete, and fair information based on verified payment history ; specifically, I have concerns regarding a XXXX XXXX XXXX XXXX account reporting a balance of {$490.00} with a 30-day late status in XX/XX/XXXX and varying last activity dates across bureaus, several Department of Education / XXXX student loan accounts under XXXX with balances including {$23000.00} opened XX/XX/XXXX, {$23000.00} opened XX/XX/XXXX, {$6100.00} opened XX/XX/XXXX, {$5000.00} opened XX/XX/XXXX, {$4400.00} opened XX/XX/XXXX, {$2300.00} opened XX/XX/XXXX, {$2200.00} opened XX/XX/XXXX, and {$1600.00} opened XX/XX/XXXX, all showing last activity reporting through XXXX to XXXX that require verification to ensure complete and accurate payment history reporting rather than partial or inconsistent updates, as well as a XXXX XXXX XXXX XXXX XXXX account reporting a balance of {$21000.00} opened XXXX XXXX, XXXX with recent activity reported through XX/XX/XXXX, along with a related closed XXXX XXXX XXXX XXXX account reporting a {$0.00} balance opened XX/XX/XXXX with last activity XXXX XXXX XXXX XXXX that is showing a 60-day late notation tied to its reporting structure, and I am requesting that all of these accounts across all reporting bureaus be fully investigated together to ensure that the information being furnished is complete, consistent, and accurately reflects my true payment performance, including whether any late payment notations are fully supported by complete documentation and whether the overall account statuses should be updated to reflect accurate and verified history in accordance with federal reporting standards under the Fair Credit Reporting Act including 15 U.S.C. 1681i, 1681s-2 ( a ) ( 2 ), 1681s-2 ( b ), 1681g, and related consumer protection provisions requiring accuracy, completeness, and proper reinvestigation of disputed information. Under the Fair Credit Reporting Act, I understand that I have the right to dispute any information that is incomplete, inaccurate, or can not be fully verified, and I am respectfully invoking those rights as outlined in 15 U.S. Code 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, as well as 15 U.S. Code 1681s-2 ( a ) ( 2 ) and 1681s-2 ( b ), which place responsibility on furnishers to correct and update inaccurate information and to investigate disputes once they are notified, and I am also referencing my right under 15 U.S. Code 1681g to obtain full disclosure of the information contained in my credit file, including the identity of furnishers and the documentation used to verify reporting accuracy, as well as the principles outlined in 15 U.S. Code 1666 and 1666a, which reinforce the importance of accurate and properly handled account reporting and dispute resolution processes.

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