Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
This is my second formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding continued reporting of inaccurate, unverifiable, and non-compliant information on my credit report.

Under FCRA 1681e ( b ), you are required to ensure maximum possible accuracy of the information you report. Further, under 1681i ( a ) ( 1 ) ( A ), you are obligated to perform a reasonable reinvestigation upon notification of disputed information. To date, you have failed to meet these requirements.

________________________________________ Items in Dispute 1XXXX XXXX XXXX  Account # XXXX * * Late Payment ( Inaccurate ) * * Violation : FCRA 1681e ( b ) Failure to maintain accurate records Dispute : I have no recollection of any late payments on this account.

Demand : Provide billing records and timestamped payment history proving delinquency, or delete this late payment entry. 
XXXX XXXX  Account # XXXX * * Late Payment ( Unverified ) * * Violation : FCRA 1681i No evidence of a reasonable reinvestigation Dispute : I was never late on this account. No documentation has been presented to justify this status.

Demand : Provide proof of delinquency, including signed account agreement and complete payment logs, or delete this entry. 
3. XXXX Account # XXXX * * Charge-Off ( Unverifiable ) * * Violation : FCRA 1681s-2 ( b ) Reporting inaccurate derogatory information Dispute : The charge-off was reported without proper creditor documentation.

Demand : Supply the original contract, payment history, and charge-off notice per Metro 2 guidelines, or delete the tradeline. 
XXXX. XXXX Account # XXXX * * Charge-Off ( Non-Compliant Reporting ) * * Violation : FCRA 1681e ( b ) & Metro 2 Incomplete and misleading data Dispute : The charge-off appears without date of first delinquency and lacks required supporting data.

Demand : Verify accuracy, including charge-off details and date fields, or delete the account entirely. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX * * Collection ( Unverified Ownership ) * * Violation : FCRA 1681i & Metro 2 No proof of ownership or assignment of debt Dispute : I dispute the validity of this account and its balance. I demand proof of assignment, ownership, and validation per FDCPA and Metro 2.

Demand : Provide a copy of the original signed contract and proof of chain of custody of debt, or delete this collection. 
________________________________________ Additional Violations : Violation of FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

Violation of FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a good-faith reinvestigation.

Violation of Metro 2 Compliance : Missing or incorrect fields, lack of verification, and reporting duplicate/contradictory data.

________________________________________ Final Request for Action : You are legally obligated to complete this investigation within 30 days of receipt. Any item not verified with supporting documentation from the furnisher must be deleted immediately. If these items remain, I will escalate this matter by filing a formal complaint with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I also reserve the right to pursue civil action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please respond with : 1. Results of your reinvestigation 2. An updated credit report 3. Documentation from each furnisher, including contact info Sincerely, XXXX XXXX

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