Consumer complaint received 2025-08-06 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: TN

Complaint narrative:
Dear Experian Dispute Department : I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15U.S.C. 1681i, to dispute the accuracy of your reporting for my XXXX XXXX account, number XXXX. According to my enclosed credit reports : XXXX  shows only 4 late payments, updated in XX/XX/XXXX. 

Experian incorrectly reports 24 late payments, with the last update in XX/XX/XXXX. 

This discrepancy is substantial. As a consumer reporting agency, you are legally obligated to ensure maximum possible accuracy. The conflicting information from XXXXwhich is both more recent and significantly differentdemonstrates that your reporting is inaccurate. 

Legal Grounds for Dispute Failure to ensure accuracy Under 15U.S.C. 1681e ( b ), credit reporting agencies must maintain procedures that ensure the accuracy and integrity of consumer reports. Experians discrepancy with XXXX  indicates a failure of these procedures. 

Failure to conduct a reasonable reinvestigation Under 15U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving a written dispute, you are required to conduct a reasonable investigation, especially when another national CRA is reporting materially different data. 

Obligation to delete unverifiable information If Experian can not verify the 24 late payments with reliable documentation, you must delete or correct the information per 15U.S.C. 1681i ( d ).

Duty to provide results in writing Under 15U.S.C. 1681i ( a ) ( 6 ), you must inform me in writing of the outcome of your reinvestigation and the actions taken. 

Further, your assertion that the account was verified as accurate fails to explain how your reporting could differ so dramatically from XXXX more current, creditorsupplied data. Therefore, it is unclear how Experian could have conducted a proper, reliable investigationas required by lawif it maintained such grossly inconsistent information. 

Requested Action Immediately reinvestigate my XXXX XXXX account, contacting the data furnisher and reviewing all pertinent documentation. 

If you can not verify the 24 late payments, you must delete or correct your reporting to align with Equifax ( 4 late payments, updated XX/XX/XXXX ). 

Ensure consistency across all past and future disclosure recipients who have received my Experian file within the past six months ( 15U.S.C. 1681i ( a ) ( 5 ) ).

Provide me written documentation of the investigation process and final resolution. 

I have experienced similar inaccurate reporting issues with Experian in the past. By ignoring contrary evidence from competing credit agencies and refusing to correct obvious errors, Experian is acting in willful and repeated noncompliance with the FCRA. If these matters are not resolved properly and promptly, I will not hesitate to escalate to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and/or seek the counsel of an FCRAspecialist consumer attorney. 

I expect you to act on this dispute immediately, and to provide a written response within the 30day statutory time frame. 

Thank you for your prompt attention.

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