Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
NEGATIVE ACCOUNTS & LATE PAYMENTS TO DISPUTE XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5300.00} ( Past Due ) Late Payments : XXXX Status : Closed Joint Issue : No recent payment history + excessive delinquency + potential FCRA violation XXXX. XXXX XXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ( Past Due ) Late Payments : XXXX Status : Closed Individual Issue : Conflicting reporting + pattern of XXXX lates XXXX. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Late Payments : XXXX each Status : Closed Issue : Duplicate reporting of the same loan across multiple entries XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX Late Payments : XXXX Status : Closed Issue : Historical delinquencies XXXXXXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX Status : Closed Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX per entry Status : Closed / Duplicated across bureaus Issue : Duplicates + inconsistent data XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} ( Past Due ) Late Payments : XXXX Status : Closed Individual XXXX. XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments : XXXX Status : Closed Issue : Reporting errors, possibly duplicate entries XXXX. XXXX XXXX Acct # : XXXX Late Payments : XXXX Status : Current Issue : Multiple XXXX lates on an open account INACCURATE / DUPLICATE ENTRIES Multiple accounts appear to be duplicated across bureaus or misreported ( e.g., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inconsistent payment histories or no payment history reported at all for delinquent accounts. 


HARD INQUIRIES Your report summary didnt show individual hard inquiries, but if you want those challenged too ( under 15 USC 1681b - permissible purpose ), let me know and Ill add that language.

NEXT STEP I will now create customized dispute letters to Experian, XXXX, and XXXX, citing : 15 USC 1681i Reinvestigation of Disputed Information 15 USC 1681b Permissible Purposes 15 USC 1681s-2 ( b ) Duty of Furnisher to Investigate 15 USC 1681e ( b ) Maximum Accuracy 15 USC 1681n Civil Liability for Noncompliance Metro 2 Compliance standards Each letter will : Include your full name, address, DOB, and SSN Be formatted for PDF submission Include an itemized dispute summary and cover sheet

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