Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA.

1681e ( b ) Credit Reporting Agencies Must Maintain Maximum Possible Accuracy Yall can not rely solely on Santanders word without verifying the accuracy of the data.

2. FACTA ( Fair and Accurate Credit Transactions Act ) Amendment to the FCRA Gives you the right to request documentation proving the validity of negative marks on your report. If yall can not provide a copy of an original signed agreement or clear proof that i were late, you must delete the late payments. Cite 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA ) and 12 CFR Part 1022 ( CFPB ). Under 15 U.S.C. 1681e ( b ), you are legally required to ensure that only verified, accurate, and fair information appears on my credit report. If you can not provide documented proof, including my original signed agreement and payment records verifying the late payments, you must delete these negative marks immediately.

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation within 30 days. If you can not validate these late payments with concrete proof beyond the word of XXXX, you must remove them. FCRA 15 U.S.C. 1681e ( b ) Credit Bureaus Must Ensure Maximum Possible Accuracy Experian can not report unverified or inaccurate information on your credit file. 
If yall rely solely on XXXX word without independent verification, yall are violating this law. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you immediately investigate and remove this information unless it can be fully verified with documented signed proof. Experian is required by law ( 15 U.S.C. 1681e ( b ) ) to maintain maximum possible accuracy in credit reporting. If you can not provide clear, verifiable proof ( such as a signed agreement! payment records, and timestamps! proving the accuracy of the reported late payments ), then you must delete these negative marks immediately.

Additionally, under 15 U.S.C. 1681e ( b ), Experian has a legal obligation to maintain maximum possible accuracy in reporting. Relying solely on Santanders reporting without conducting an independent verification violates this standard. A simple statement from XXXX is not sufficient proofExperian must have clear evidence such as my signed contract or actual billing statements.

Action Requested : Remove the late payment ( s ) from my credit report immediately if Experian can not produce direct documentation proving their validity. 
Provide a written response within 30 days confirming the removal or supplying the requested proof. I am aware that XXXX may have records of my late payments, but as a consumer reporting agency, Experian can not report unverified information from third parties without direct proof. If you can not produce my signature, agreement, or detailed billing records proving I was late, then per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to remove these late payments from my credit report.

Additionally, under 15 U.S.C. 1681e ( b ), Experian must ensure the maximum possible accuracy of all reported information. Relying solely on XXXX word, without independently verifying the accuracy of these late payments, constitutes a violation of federal law. If you can not provide concrete evidence beyond the furnishers claim, you must delete the negative reporting immediately.

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