Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my XXXX  XXXX account ending in XXXX, which appears on my credit report with a balance of {$670.00}. According to the report, this account was opened on XX/XX/XXXX, and the last payment recorded is XX/XX/XXXX. The account is listed as having a XXXX late payment in XX/XX/XXXX, which is inconsistent with my records. I have consistently made all required payments on time and have documentation supporting the absence of a delinquency. This misreporting is materially inaccurate, incomplete, and misleading. Under FCRA 607 ( b ), furnishers and credit reporting agencies are required to maintain procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) ( 1-5 ), I am entitled to request a reinvestigation of any information that is incomplete, inaccurate, or unverifiable. I request that XXXX, Experian, and XXXX  verify this account directly with XXXX XXXX and provide detailed documentation of all reported late payments, payment history, and account status. If this information can not be verified with supporting documentation, it must be corrected immediately to reflect the true account status. 
I also dispute the reporting of multiple XXXX XXXX accounts and my XXXX XXXX XXXX account ending in XXXX, which are listed as charge-offs with balances of {$26000.00}, {$3700.00}, {$28000.00}, and {$10000.00}, respectively. These accounts appear to be tied to open accounts or duplicated incorrectly, which constitutes a material inaccuracy. The charge-off status is not supported by my records, and there is no documentation in my possession verifying these amounts or the reported delinquencies. Reporting these accounts in this manner misrepresents the true nature of my credit obligations, potentially affecting lenders decisions, interest rates, and my overall creditworthiness. Pursuant to FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know, or should reasonably know, is inaccurate. I request that each of these accounts be thoroughly verified with the original creditors, including detailed supporting documentation for each reported charge-off, the exact balances, dates of last activity, and all payment history. If the reported information can not be verified, it must be corrected, updated to reflect the accurate account history. 
The inaccurate reporting of these accounts has materially affected my credit profile, potentially impacting my access to fair credit, interest rates, and lending decisions. These errors introduce confusion and misrepresent my responsible management of credit. In accordance with FCRA 611 ( a ) ( 2 ) ( B ), I request written confirmation of the results of this reinvestigation, including the verification process used for each account. I also request that updated credit reports be issued reflecting accurate balances, payment history, and account status, thereby maintaining the integrity of my credit profile in compliance with federal law. 
Finally, the inclusion of these errors on my credit report has introduced significant inaccuracies that misrepresent my credit profile. These errors may lead to negative consequences in my ability to access fair lending, influence interest rates, and harm my financial reputation. Under FCRA 611 ( a ) ( 2 ) ( B ), I request written confirmation of the results of each reinvestigation, including detailed descriptions of the verification methods used by each bureau to confirm the accuracy of these accounts. I also request that all inaccuracies, misreported balances, and unverifiable charge-offs be corrected, and that updated credit reports reflecting my true payment history and account statuses be provided. Correcting these errors is necessary to ensure compliance with federal law and to maintain the integrity of my credit profile.

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