Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute regarding the inaccurate reporting of a 30/60-day late payment on my XXXX XXXX account. I provided TransUnion and Experian with documentation confirming that my payments were made on time, and I requested a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA 611 ( a ) ). 

In response, they mailed letters stating the information was verified, yet the late payment remained on my credit report without any factual explanation or evidence provided to support the verification. 

I am deeply concerned that a reasonable reinvestigation was never actually conducted, in violation of FCRA 611 ( a ). In addition, the furnisher ( XXXX  XXXX ) has continued to report inaccurate data even after being informed it was incorrect, in direct violation of FCRA 623 ( a ) ( 2 ). 

I have substantial documentation proving that the alleged 60-day delinquency did not occur, which I am attaching to this complaint. The fact that this derogatory information remains on my credit report despite direct evidence to the contrary calls into question both the integrity and legality of both Transunion and Experians investigation process. 

This inaccurate negative reporting has : Severely damaged my creditworthiness Resulted in denied credit applications Caused significant financial harm I also believe both companies are engaging in unfair and deceptive practices by validating disputed data without verifying it and continuing to publish false and harmful information. 

1. 15 U.S. Code 1681i ( a ) Reinvestigation of Disputed Information ( FCRA 611 ( a ) ) Violation : They failed to conduct a reasonable reinvestigation after I submitted a dispute and provided evidence. They simply verified the item without requiring proper documentation or addressing my supporting proof. 

Key provision : If the completeness or accuracy of any item of information contained in a consumers file is disputed, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

2. 15 U.S. Code 1681s-2 ( b ) Duties of Furnishers of Information ( XXXX  XXXX 's Responsibility ) Violation : XXXX XXXX continued to report the late payment even after being notified of my dispute, and they failed to correct or delete the information after being provided with proof of on-time payments. 

Key provision : Upon notice of a dispute, furnishers must conduct an investigation... review all relevant information ... and report the results ... if the information is inaccurate or incomplete, promptly modify, delete, or permanently block the reporting. 

3. 15 U.S. Code 1681e ( b ) Duty to Maintain Maximum Possible Accuracy Violation : Both companies failed to ensure the late payment information was accurate before reporting or verifying it despite my documentation showing otherwise. 

Key provision : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy. 

4. 15 U.S. Code 1681n Willful Noncompliance ( Damages ) 5. 15 U.S. Code 1681o Negligent Noncompliance ( Damages ) Violation : By ignoring my evidence and continuing to report false information, TransUnion, Experian and/or XXXX XXXX may be subject to damages for willful or negligent failure to comply with FCRA. 

Penalties include : Actual damages Statutory damages ( up to {$1000.00} per violation ) Punitive damages Attorneys fees FCRA Section Violation 1681i ( a ) ( FCRA 611 ) CRA failed to reinvestigate properly 1681s-2 ( b ) Furnisher failed to correct inaccurate info 1681e ( b ) CRA failed to ensure data accuracy 1681n Willful noncompliance ( damages possible ) 1681o Negligent noncompliance ( damages possible )

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