Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a formal complaint against Experian for continuing to report inaccurate and unverifiable late payments on my closed installment account with XXXX XXXX XXXX XXXX, account ending in XXXX. 

Experian is reporting the following alleged late payments : XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 30 days late These entries are inaccurate, unverifiable, and in violation of federal law. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy in all published information. Under FCRA 611, they must conduct a reasonable reinvestigation of disputed items. Experian failed both duties by relying solely on the furnishers unverified, coded responses instead of obtaining documentary evidence. 

Proper verification requires tangible documentation, such as a full billing statement or account ledger showing the exact due date, the date the payment was received ( or not received ), and the posting history. No such documents were provided. A simple code or unverifiable notation is legally insufficient to establish accuracy. 

The law is clear : the burden of proof lies with the furnisher, not the consumer, to substantiate the accuracy of disputed information ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). By reporting these late payments without proof, Experian is violating : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a proper reinvestigation FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 623 ( a ) ( 3 ) : Failure to notify CRAs of disputed information I specifically requested documentary proof of the alleged late payments, including billing statements and account ledgers. Experian failed to provide this information. Instead, they allowed unverifiable data to remain, thereby continuing to publish false derogatory marks. 

These inaccurate reports have caused measurable harm, including : Denial of credit opportunities Higher interest rates on approved credit Reputational and emotional harm due to being labeled as delinquent without proof I demand that the CFPB investigate these willful and negligent violations and require Experian to either : 1. Produce tangible, documented proof of each alleged late payment, OR 2. Delete the late payment entries and correct the account immediately. 

Absent such proof, these late payments must be deleted. Ongoing publication of false, unverifiable information constitutes continuing harm and clear violations of federal law. Immediate regulatory intervention is necessary.

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