Consumer complaint received 2025-04-17 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:
I am submitting this formal complaint regarding XXXX unresolved and materially harmful credit reporting issues that continue to damage my credit profile despite multiple disputes, phone calls, and mailed letters to the credit reporting agencies and data furnishers. These items have been previously disputed with Experian, Equifax, TransUnion, and the respective furnishers, and remain inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. 

Additionally, I have been a victim of identity theft in the past and do not feel safe providing sensitive personal information thru the mail, including but not limited to a copy of my drivers license or Social Security card, to data furnishers or agencies who have already demonstrated a lack of data integrity and compliance. My identity has already been compromised once, and I will not risk further exposure. 

XXXX. XXXX XXXX XXXX - {$110.00} ( Not Owed ) Account Reporting As Collection : TransUnion ( as of XX/XX/XXXX ) Balance : {$110.00} Date Closed : XX/XX/XXXX Credit Bureaus Affected : Experian, Equifax, TransUnion XXXX : XXXX XXXX XXXX XXXX XXXX Facts : I have been an active XXXX XXXX customer since XXXX with no lapse in service. 

I have never owed this amount, and there is no evidence or verification provided despite repeated disputes. 

I continue to receive harassing collection calls for a debt that is not mine. 
Violations : FCRA 1681i and 1681s-2 ( b ) failure to verify and delete inaccurate or unsubstantiated debt FDCPA 1692d and 1692e harassment and false representation of a debt XXXX XXXX violation account is closed but still reporting as active collection without accurate XXXX or XXXX XXXX. XXXX XXXXXXXX XXXX  - Closed Auto Loan ( Late Payments After Payoff ) Account Closed/Paid in Full : XX/XX/XXXX Still Reporting Late Payments : Through XXXX, XXXX, and XX/XX/XXXX Credit Bureaus Affected : Experian, Equifax, TransUnion Facts XXXX The account was fully paid and closed as of XX/XX/XXXX. 

However, multiple XX/XX/XXXX day lates are being reported through XXXX. 

I have disputed this directly with the creditor and the bureaus with no resolution. 
Violations : FCRA 1681i and 1681s-2 ( b ) continued inaccurate reporting after formal disputes Reporting late payments on a paid account is materially false and misleading XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reckless disregard of consumer rights constitutes willful FCRA violation XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ) - Closed Account with Late Payments Account Closed and Paid in Full : XX/XX/XXXX Late Payments Reported : XXXX, XXXX, and XX/XX/XXXX Credit Bureaus Affected : Experian, Equifax, TransUnion Facts : The account was paid and closed on XX/XX/XXXX. 

However, it is still reporting XX/XX/XXXX day lates leading up to closure. 

These late marks are not reflective of the final account settlement or verified by any documentation. 
Violations : FCRA 1681i failure to remove disputed, inaccurate information FCRA 1681s-2 ( b ) furnisher 's failure to properly investigate and correct XXXX XXXX violation improper payment history formatting on a closed, paid account

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