Consumer complaint received 2025-06-20 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:
Date : XX/XX/year> To : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  ) To Whom It XXXX Concern, This letter is a formal dispute concerning inaccurate and misleading information being reported on my Experian credit file regarding an account furnished by XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX 

I am not submitting a generic dispute ; this is a factual, manual dispute intended for a real person to review. The data you are reporting contains numerous internal contradictions and false representations that can not be reconciled with basic logic or verified fact. These entries are not only harmful, they are in violation of your obligations under the Fair Credit Reporting Act ( FCRA ). 

SPECIFIC DISPUTED ERRORS IN EXPERIAN REPORT : You report the account as Open and Current while simultaneously marking XXXX and XXXX late payments in XXXX and XX/XX/year>, respectively. An account can not be both current and delinquent at the same time. 

The Date of Last Payment is listed as XX/XX/year>, and the balance is {$0.00}, yet somehow there is a delinquency reported for XXXX? This is factually incorrect and contradicts your own data. 

The XXXX XXXX is listed as only {$40.00}, while the credit limit is {$500.00}, and the account shows multiple months of activity. The values are inconsistent and unverified. 

There is no past due amount listed ( {$0.00} ), yet lates are still reported this is nonsensical. 

This information does not match other credit bureaus, with Equifax showing different balances, past due amounts, and payment history. 

These clear contradictions should have been flagged internally. Continuing to report such data without proper investigation constitutes negligence and a failure of duty under federal law.

LEGAL STANDARDS VIOLATED : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) : Furnishers must report accurate, complete, and consistent information.

15 U.S.C. 1681i : You must conduct a full and prompt reinvestigation and delete unverifiable or incorrect data.

15 U.S.C. 1666b : Creditors must provide a reasonable grace period before labeling a payment late. If XXXX failed to follow this, Experian should not be publishing delinquency data based on it. 

DEMAND FOR CORRECTION : You are hereby formally notified to : Delete the inaccurate late payment notations for XXXX and XX/XX/year> ; Correct the account status to reflect Paid as Agreed/Current ; Or, if verification can not be fully supported with documentation from XXXX XXXX XXXX delete the entire account from my credit file ; Respond to me in writing with the results of your reinvestigation within 30 calendar days, as required by federal law.

ESCALATION IF UNRESOLVED : If you fail to correct or delete this unverifiable and harmful information, I will immediately take the following steps : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit a formal grievance to the Federal Trade Commission ( FTC ) Notify the Florida State Attorney General Report the violation to the XXXX XXXX XXXX XXXX XXXX XXXX Consider legal action under FCRA 1681n and 1681o for willful or negligent failure to comply I expect this dispute to be handled with care and integrity by a real person. The information is materially inaccurate and is causing ongoing harm to my credit reputation. This is your opportunity to resolve it without escalation. 

Sincerely,

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