Consumer complaint received 2025-02-27 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 have been disputing incorrect information that is being published on my credit report by Experian and they seem not to fix or delete the issue the alleged accounts are XXXX XXXX, XXXX # XXXXXXXX XXXX # XXXX. 

I am writing to formally dispute the inaccurate reporting of my account with XXXX XXXX XXXX on my credit report. This account is listed with the number XXXX. I believe there are significant errors regarding this account that violate the Fair Credit Reporting Act, specifically 15 USC 1681s-2b ( d ), which mandates that consumer reporting agencies must maintain 100 % accuracy in consumer reports. 



Upon reviewing my credit report, I found the following discrepancies : XXXX. XXXX XXXX : In XXXX of XXXX, XXXX was unable to verify this account and deleted it from my credit report. If XXXX found the account unverifiable, I believe this raises concerns about the accuracy and validity of the information reported to the other credit bureaus. 

XXXX. Experian Inaccuracies : In XX/XX/XXXX, Experian reports ND ( no data ) for that month, and again for XX/XX/XXXX, Experian reports no data. 

However, in XX/XX/XXXX, Experian reports my account as 60 days late. This creates a discrepancy, as I went from being current to being reported as 60 days late without any data reflecting the previous months. 

Furthermore, in XX/XX/XXXX, you report my account as 60 days late for the second time, despite no prior indication of a missed payment. 



These reporting inconsistencies are a major inaccuracy on my credit report, and I believe this violates the requirements for accurate reporting under 15 USC 1681s-2b ( d ). The law mandates that if information is found to be incomplete or inaccurate, it must be corrected or deleted. Since the account is reported status is inaccurate, I am requesting an immediate investigation of these discrepancies and demand that this account be deleted from my credit report. 



Please thoroughly investigate this issue, as it is adversely affecting my credit. If the account is found to be inaccurately reported, I request that it be removed from my credit report and that all other consumer reporting agencies are notified of this inaccuracy. 

Also my XXXX XXXX XXXX account, with the number XXXX, on my credit report. Upon reviewing my credit file, I have found a significant error in the reporting of my payment history that I believe violates the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 



In XX/XX/XXXX, Experian reported my account as 90 days late. However, there is no evidence or data in my credit report to support that I was ever 30 or 60 days late in the months preceding XX/XX/XXXX. In fact, in the prior months of XX/XX/XXXX and XX/XX/XXXX, my account was reported as paid as agreed, with no late payments indicated. This major inaccuracy reflects incomplete reporting, as there is no substantiated reason for the sudden jump to a 90-day late status in XXXX. 



This situation represents a violation of my consumer rights, as outlined in 15 USC 1681s-2b ( d ), which mandates that all information reported must be complete, accurate, and verifiable. The discrepancies in your reporting are a clear violation of these regulations. As such, I demand that you delete this account from my credit report immediately to correct this inaccuracy and restore the integrity of my credit file. I will attach all documents highlighting the inaccuracies made on these two accounts.

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