Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I submitted formal written disputes to all three major credit bureaus ( Equifax, TransUnion, and Experian ) regarding numerous inaccurate or unverifiable late payments being reported on my credit file. These accounts are negatively affecting my creditworthiness, and despite multiple rounds of disputes, the credit bureaus have failed to provide supporting documentation or proper investigation results. 

In my first round of disputes, I included proof of identity, address, and a highlighted copy of my credit report with the disputed accounts. I clearly requested the following : Verification of the late payments, Documentation from the original creditors ( billing/payment history ), Method of verification, Name and contact information of the individual verifying each item. 

Despite my detailed requests, the bureaus responded only with a generic verified status without providing any proof from the data furnishers. I then followed up with a second dispute ( sent XX/XX/XXXX ), again demanding proper evidence or permanent deletion per FCRA requirements. 

These are the disputed accounts and issues : XXXX XXXX XXXX XXXX XXXX loan reports a XXXX late payment from XX/XX/XXXX, but no documentation or proof was ever provided. 

XXXX XXXX XXXX  ( Account ending XXXX ) XXXX a XXXX late payment from XX/XX/XXXX. No creditor verification or billing record was provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Shows XXXX lates in XX/XX/XXXX and XX/XX/XXXX, and a XXXX late in XX/XX/XXXX. I received no records to prove the accuracy of these claims. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) Also shows XXXX lates in XX/XX/XXXX and XX/XX/XXXX, plus a XXXX late in XX/XX/XXXX. Again, no documentation provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX ) Reports a XXXX late payment in XX/XX/XXXX. No evidence or verification from the creditor was given. 

XXXX XXXX XXXX  ( Account ending XXXX ) This account is marked as a charge-off. I requested supporting documentation to show when payments were missed or the charge-off occurred, but received none. 

XXXX XXXX XXXX XXXX XXXX XXXX Account ending XXXX ) This mortgage account shows multiple XXXX, XXXX, and even XXXX delinquencies between XXXX. These are extremely damaging, yet no documentation was provided to support them. 

XXXX XXXX / XXXX ( Account ending XXXX ) A XXXX late payment from XX/XX/XXXX is still being reported. I asked for verification of this old debt, and none was given. 

XXXX XXXX XXXX XXXX  ( Account # XXXX ) This account is reporting negative items, but neither Experian nor the original creditor has supplied verification or records. 

In total, I am disputing over XXXX late payments across these accounts. None of the bureaus provided the required documentation or verification under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2. Simply marking an item as verified is not enough the law requires that credit reporting agencies conduct a reasonable reinvestigation and that only verifiable, accurate information be reported. 

Ive also given a final notice to each bureau requesting deletion of all unverifiable late payments within 30 days, or I would escalate the issue to the CFPB, FTC, and State Attorney General.

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