Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX XXXX Email : XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Complaint Type : Credit Reporting Complaint Against : Experian Subject of Dispute : Disputing inaccurate credit reporting under FCRA, FDCPA, and FCBA ( 15 U.S.C. 1681e ( b ), 1681i, 1692c, and 1666b ( 2 ) ).

Summary of Issue : I am disputing the accuracy and legal compliance of the following accounts currently reported by Experian and XXXX. These inaccuracies have harmed my creditworthiness and violate my consumer rights under federal law. 

Accounts and Issues in Dispute : 1. XXXX XXXX ( Acct. Ending in XXXX Experian ) Issue : Account closed in XX/XX/XXXX but falsely reports 30- and 60-day lates in XXXX. 

Violation : Inaccurate data reporting 15 U.S.C. 1681e ( b ), 1681i.

Requested Action : Remove any delinquency reported after closure date. 

2. XXXX XXXX ( Acct. Ending in XXXX Experian ) Issue : Payment history shows repeated delinquencies despite records of recent payments. 

Violation : Failure to maintain accurate payment history 1681e ( b ), 1681i.

Requested Action : Reinvestigate and correct or delete inaccurate delinquencies. 

3. XXXX XXXX XXXX ( Acct. Ending in XXXX Experian ) Issue : Shows late payments up to 90 days despite being marked Paid, Closed in XXXX. 

Violation : Conflicting status and reporting 1681e ( b ).

Requested Action : Remove all late marks post-payment. 

4. XXXX XXXX XXXX ( Acct. Ending in XXXX Experian ) Issue : Account reported in collections, but I have not received debt validation. 

Violation : Debt collector contact and verification failure 15 U.S.C. 1692c.

Requested Action : Remove unless full validation is provided. 

5. XXXX ( Acct. Ending in XXXX Experian ) Issue : Account has been charged-off since XXXX, but is still reported with a balance and no updated activity. 

Violation : Improper billing/principal balance reporting 15 U.S.C. 1666b ( 2 ).

Requested Action : Remove or update to reflect final status and cease prolonged charge-off reporting.

Legal Basis for Dispute : 15 U.S.C. 1681e ( b ) : Credit bureaus must assure maximum possible accuracy.

15 U.S.C. 1681i : Must reinvestigate disputed items within 30 days.

15 U.S.C. 1692c : Debt collectors must cease communication if not properly validated.

15 U.S.C. 1666b ( 2 ) : Creditors must comply with billing grace period protections under FCBA.

Requested Outcome : Complete reinvestigation of the disputed accounts listed above.

Immediate correction or deletion of any unverifiable, outdated, or inaccurate information.

Provide confirmation in writing along with an updated copy of my credit report.

Attachments Submitted : Government-issued ID Proof of address Highlighted credit reports from Experian and XXXX  Relevant payment or closure documentation ( if applicable ) Declaration : I certify that the above information is accurate to the best of my knowledge and request the CFPB 's assistance in holding these agencies and furnishers accountable to federal law.

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