Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I submitted a formal FCRA dispute to Experian regarding derogatory payment history reported under XXXX XXXX XXXX. I requested full verification of the reported late payments, including original signed agreements, billing statements, and documentation validating the accuracy of the data, as required under FCRA 609 ( a ) ( 1 ).

To date, I have received no written verification, reinvestigation results, or documentation to support the five late payments being reported. The account is closed, carries a {$0.00} balance, and was paid off as of XX/XX/XXXX. Despite this, five late payments remain on my Experian report, while Equifax and TransUnion have removed all derogatory remarks.

Experian 's own reporting is contradictory : My overall payment history is labeled Very Good Payment factor data shows only one 30+ day late, one 60+ day late, and 0 late payments in the past year However, the month-by-month view reflects five months marked in red ( XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) This internal inconsistency proves the data is unreliable, unverifiable, and violates federal reporting standards. No actual amounts, balance details, or payment documentation are provided to support the derogatory entries. 

I am invoking my rights under : FCRA 611 ( a ) ( 6 ) to receive a written summary of the reinvestigation FCRA 611 ( a ) ( 7 ) to obtain the method of verification and furnisher contact information FCRA 1681i ( a ) ( 5 ) requiring deletion of unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) prohibiting inaccurate data reporting FCRA 623 ( c ) allowing civil recourse for continued noncompliance GLBA 6801 requiring Experian to safeguard and not furnish unverifiable nonpublic personal information Experian 's continued reporting of unverifiable derogatory data on a paid, closed account without documentation or disclosure violates federal law and materially impacts my credit profile.

What Would Be a Fair Resolution to This Issue I am requesting that Experian permanently remove all unverifiable and inaccurate late payments associated with the XXXX XXXX XXXX account. I am not requesting deletion of the account itself, as it contributes positively to my credit age only the unverified derogatory payment history.

Additionally, I request that Experian : Provide a complete written reinvestigation summary ( FCRA 611 ( a ) ( 6 ) ) Disclose the method of verification and furnisher contact details ( FCRA 611 ( a ) ( 7 ) ) Immediately cease reporting the disputed derogatory data unless proper verification is achieved ( FCRA 1681s-2 ( b ), 1681i ( a ) ( 5 ) ) Ensure compliance with GLBA 6801 to prevent further distribution of unverifiable personal information If Experian can not lawfully verify the derogatory data, I request immediate removal and correction of my credit file. I reserve all rights under FCRA 623 ( c ) to pursue regulatory or legal action if this matter is not resolved in full compliance with federal law.

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