Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX XXXX  Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with XXXX XXXX. Despite my efforts to address and resolve this matter, XXXX XXXX  has failed to provide verifiable evidence supporting the reported late payments, leaving me with incorrect and harmful information on my credit report. 

I initiated a formal dispute with XXXX XXXX  and requested a thorough investigation of the late payments being reported. However, during phone conversations with their representatives, I was informed that they are unable to verify the accuracy of the reported late payments. XXXX XXXX admitted that their only available records are limited to bank statements, and they do not have the necessary resources to conduct a proper investigation. This failure to verify the accuracy of the reported information is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, any information that can not be verified must be promptly removed from my credit report. Despite their inability to verify the information, XXXX XXXX  continues to furnish incorrect data to the credit reporting agencies. This has caused significant harm to my financial standing and has severely impacted my ability to : Obtain a job, including certain federal positions that require stringent background checks. 
Purchase a home to provide a stable living environment for my family. 
Access future credit opportunities to rebuild my financial health. 

As a professional working with XXXX XXXX and XXXX XXXX and a dedicated provider for my wife and young daughter, I take my financial responsibilities seriously. The continued inaccuracies on my credit report hinder my ability to build a stable future for my family and achieve my career aspirations, including my upcoming training at the XXXXXXXX XXXX in XX/XX/year>. 

I am requesting the CFPB to take the following actions regarding XXXX XXXX  : XXXX. Investigate XXXX XXXX failure to properly investigate my dispute and verify the reported information. 
XXXX. Require XXXX XXXX  to provide verifiable evidence supporting the reported late payments or remove all unverifiable information from my credit report. 
XXXX. Ensure compliance with FCRA standards to protect consumers like me from the consequences of unverified and inaccurate reporting. 

Enclosed, I have included copies of my written dispute, correspondence with XXXX XXXX, and any supporting documentation. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to ensure that my rights as a consumer are upheld and this matter is resolved fairly and promptly. 

Sincerely, XXXX XXXX XXXX XXXX

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