Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Re : Formal Dispute of Inaccurate and Unverifiable Accounts To Whom It May Concern, I am formally disputing the accuracy and completeness of the following accounts on my credit report, obtained on XX/XX/XXXX. These entries are being reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, and 1681e ( b ) ), which require all information furnished to consumer reporting agencies to be accurate, complete, and verifiable. 

XXXX. XXXX XXXX XXXX Account # XXXX The account shows multiple XXXX late payments ( XXXX, XXXX, XX/XX/XXXX ) but also simultaneously reports Pays as Agreed. 
There are clear reporting inconsistencies and contradictions, making this account unverifiable in its current form. 
Under 15 U.S.C. 1681e ( b ), Equifax must maintain the maximum possible accuracy of consumer information. This contradictory reporting violates that requirement. 

Demand : Permanently delete this account from my credit file unless you can provide full validation from XXXX XXXX XXXX, including original signed account records, exact payment history, and verification of all derogatory notations. 



XXXX. XXXX XXXX XXXX Account # XXXX This account appears to be a duplicate XXXX loan opened in XX/XX/XXXX, reporting Pays as Agreed, but its balance and terms nearly mirror the above account. 
Duplicate or fragmented reporting is prohibited under the FCRA because it inflates derogatory impact and misrepresents my credit obligations. 

Demand : Remove this duplicate account immediately or provide verified documentation showing this is a separate, legitimate, and distinct obligation. 



XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX This account reports a XXXX late as of XX/XX/XXXX, but also reflects recent Pays as Agreed notations and lacks supporting historical accuracy prior to XX/XX/XXXX. 
The last activity date is XX/XX/XXXX, yet a XXXX delinquency was reported months later, which is inconsistent and suggests unverifiable reporting. 
This is in direct violation of FCRA 1681i ( a ) ( 1 ) ( A ), which requires reinvestigation of disputed information that appears inaccurate or can not be verified. 

Demand : Permanently delete this account from my credit file or provide documented proof from XXXX XXXX XXXX XXXX XXXX verification of the exact dates of delinquency, or delete this derogatory reporting permanently. 



Legal Reminder Its 30 days under FCRA 1681i ( a ) ( 1 ) to complete a reinvestigation of these disputed items. If verification can not be produced with full accuracy and proper documentation, these accounts must be permanently deleted. 

Please mail me written results of your reinvestigation, along with an updated copy of my credit report. 

Sincerely, 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