Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I had been working with a company called XXXX XXXX XXXX to resolve a Time Share problem. They worked with me and to my knowledge resolved my problem and I was relieved of the issue. I paid XXXX to this company to get this resolved. Upon looking at my credit XXXX XXXX XXXX XXXX has sent me into foreclosure that has terribly impacted my credit rating and worthiness. I have included all documents and want the items on my credit report to be deleted. It is showing that I have multiple accounts with XXXX XXXX XXXX XXXX. I NEVER HAD MORE THAN XXXX ACCOUNT! 

Re : Inaccurate Foreclosure Accounts Reported by XXXX XXXX XXXX XXXX This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning the following inaccurate and unverified foreclosure accounts currently listed on my credit report : XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX These accounts are being reported as foreclosures and are damaging my creditworthiness. However, the information being reported is inaccurate, incomplete, and unverifiable based on the following legal grounds : 1. Violation of FCRA 1681i Failure to Reinvestigate and Verify Under 15 U.S.C. 1681i ( a ), credit reporting agencies must conduct a reasonable reinvestigation of any disputed item to verify its accuracy. XXXX XXXX XXXX XXXX has failed to provide any verifiable proofsuch as a valid foreclosure judgment or court ordersubstantiating these reports. 

No foreclosure filings or judgments exist in public records associated with my name or address. Therefore, continuing to report these as foreclosures constitutes willful negligence and false reporting under FCRA 1681n.

2. Violation of FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy of information. These accounts have been reported with inconsistent dates, balances, and statuses, and do not accurately reflect verified foreclosure proceedings. Reporting unverifiable data is a direct violation of this statute.

3. Violation of FDCPA 807 ( 8 ) False Representation of Credit Information If any third-party debt collector or servicer supplied this information, it constitutes a false representation of the legal status of the debt, prohibited by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ).

4. Inaccurate Derogatory Information Exceeds the Allowable Reporting Period Under FCRA 1681c ( a ) ( 4 ), no adverse item of information ( including foreclosures ) may be reported more than seven ( 7 ) years from the date of delinquency that led to the action. The accounts in question list final payments and activity from 2019, which means they have exceeded or are nearing the seven-year limit and must be deleted.

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