Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX XXXX : XXXX Account XXXX : XXXX Balance/Reported Amount : {$21000.00} Date Opened : XX/XX/XXXX Summary of Complaint : I am disputing the reporting of my XXXX account ( Account # XXXX ). This account is showing late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which are inaccurate and unverifiable. 
When I disputed these errors, XXXX did not correct them. Instead, they closed the account and continued to report the same false lates. Closing the account without fixing the inaccuracies is retaliatory and a direct violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

As a real estate investor, this inaccurate reporting has prevented me from accessing essential financial tools and resources I need to manage current properties and pursue new business opportunities. This situation has directly interfered with my ability to provide for my family and fulfill my responsibilities as a man. It has caused immense hardship and unnecessary stress in my household. 

I need the CFPB to take this matter seriously and ensure that XXXX is held accountable. The law requires that furnishers either correct or delete inaccurate information, and since XXXX has failed to do so, I am demanding that these false late payments be deleted immediately or, if they can not be verified, that the entire account be removed from my credit profile. 
I am asking the CFPB to get on top of this situation and enforce compliance so this ongoing harm can be corrected without further delay. 

Violations Identified : Failure to Conduct a Reasonable Investigation After being notified of a dispute, the furnisher must investigate and update the account accordingly. Instead of investigating, XXXX closed my account, leaving the inaccurate data in place. ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ). 
Failure to Report Accurate Information Furnishers may not report information they know ( or should know ) is inaccurate. These late payments remain unverifiable and inaccurate. ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Failure to Correct and Update Information Once a dispute has been submitted, the furnisher must correct or delete inaccurate information. XXXX has failed to do so. ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) ).

Retaliatory Closure Closing an account in response to a consumer exercising their dispute rights is an unfair practice and demonstrates willful noncompliance.

Consumer Statement : I disputed the inaccurate late payments with XXXX. Rather than correcting the errors, they closed the account while continuing to report the false lates. I have since requested that XXXX either ( 1 ) remove the inaccurate late payments, or ( 2 ) remove the entire account from my credit profile. To this date, they have refused to take corrective action. 
This has caused significant harm to my creditworthiness, including higher interest rates and denial of financial opportunities.

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