Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint to your bureau and to the Consumer Financial Protection Bureau ( CFPB ) regarding the repeated inaccurate, incomplete, and unverifiable reporting of my credit information. Despite my previous disputes, the information below continues to be reported in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires you to maintain maximum possible accuracy and conduct a reasonable reinvestigation of disputed information. The continued reporting of these accounts has caused financial harm, credit denials, and emotional distress, and therefore I am escalating this matter to CFPB for oversight and resolution. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Late Payment This account is reporting a late payment that is harming my credit standing, yet no valid proof has been provided despite my previous two disputes. Under FCRA 611, you are required to conduct a reinvestigation and verify the accuracy of this data directly with the original creditor, including obtaining copies of my full payment history, any signed agreement, and evidence of delinquency. The continued reporting of this alleged late payment without documentation is unlawful and violates 607 ( b ), which requires maximum possible accuracy. Because this account is directly affecting my ability to secure credit at fair rates, I am demanding that you either provide full proof of the late payment with proper documentation or immediately delete this inaccurate data. The burden is on you to ensure that the information is correct, and failure to comply will be considered willful negligence under XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Charge-Off XXXX XXXX This charge-off remains on my credit report even though no original contract, signed documentation, or accurate balance verification has been provided after two disputes. FCRA 611 ( a ) ( 1 ) ( A ) gives me the right to dispute any inaccurate or incomplete information, and you must reinvestigate and confirm the accuracy with the furnisher. If the original creditor can not provide date-stamped records showing the charge-off date, amount charged off, and the complete payment history leading to the charge-off, this item must be deleted. Reporting unverifiable negative information is a violation of 607 ( b ), and continuing to report after a dispute without full verification is a breach of 611 ( a ) ( 5 ) ( A ). This account has caused financial harm, including denials for credit and higher interest rates, and I am demanding that it be permanently removed if no complete proof is produced. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3700.00} Late Payment XXXX XXXX  This account continues to show a late payment despite my repeated requests for verification. FCRA 609 ( a ) ( 1 ) requires that I be provided with all information in my credit file including account history and proof of delinquency. No such documentation has been given, which means the account is unverifiable. You have a legal obligation under 611 to delete unverifiable information from my credit file. Because this negative item is lowering my credit score and preventing me from obtaining fair financing, its continued presence constitutes inaccurate reporting under 607 ( b ). If you can not provide the full signed agreement, payment ledger, and date-stamped proof of late payment, you must remove this derogatory item permanently. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} Late Payment XXXX XXXX This is another Department of Education account showing a late payment that does not reflect my actual payment history. I have disputed this account twice before and still have not received any verification documents or original records. Under FCRA 611 ( b ), any disputed data must be reverified and if the information can not be confirmed with proper documentation, it must be removed from the report. This continued reporting has caused harm including credit denials and increased financial costs. FCRA 607 ( b ) clearly mandates maximum possible accuracy, and since no verifiable records have been provided, you are required to delete this item. 

DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00} Late Payment XXXX XXXX This late payment is also inaccurate and unverifiable. Under FCRA 611 ( a ) ( 5 ) ( A ), if after reinvestigation an item can not be verified, you must delete it from the file. You have failed to produce any contract or full payment record despite my previous disputes. Continuing to report unverifiable data is a violation of my rights and harms my credit standing, which is unlawful under 616 and 617. I am requesting that you either send me the original documentation proving this delinquency or delete the late payment entirely. 

DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Late Payment XXXX XXXX This final account also reflects a late payment that I do not agree with and that has not been substantiated with any evidence. I have the right under 609 ( a ) ( 1 ) to receive all information that you have in your file, and since you have not provided that information, this listing can not be considered verified. FCRA 611 requires deletion of any item that can not be verified, and 607 ( b ) requires maximum accuracy, which is not being met in this case. This incorrect negative reporting is damaging my financial opportunities, and I demand immediate removal if no verifiable documentation can be provided. 

I am requesting that the CFPB oversee this reinvestigation and ensure immediate correction or deletion of the inaccurate information. If this matter is not resolved, I am prepared to escalate further through formal regulatory complaints and potential legal action to enforce my rights under the FCRA. I am requesting a full response and a description of the procedures used in your investigation to ensure compliance with the law.

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