Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This correspondence serves as a formal complaint regarding to meet the statutory requirement to furnish accurate information and to conduct a reasonable investigation following my prior disputes concerning the tradeline reported by XXXX XXXX XXXX XXXX XXXX XXXX. 

I have previously disputed this account through Experian on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The account, number XXXX, contains information that is demonstrably inaccurate, inconsistent, and unverifiable. XXXX XXXX continued reporting of this data, despite repeated notice and proof of inaccuracy, constitutes a violation of federal law. 

Evidence of Inaccuracy and Unverifiable Data XXXX. Furnishers Admission of System Failure ( XXXX XXXX XXXX ) I recently spoke with a representative from XXXX XXXX  XXXX XXXX regarding the status of payments made in XXXX, XXXX, and XX/XX/XXXX, prior to the accounts closure. 

The representative initially stated that their internal system showed XXXX XXXX being recorded after XX/XX/XXXX. 

Crucially, when checking my statements, the representative was forced to confirm that a verifiable payment was successfully made on XX/XX/XXXX of {$28.00} that she said went to fees. 

This direct contradiction confirms that the data being reported by the furnisher is based on a broken internal system that fails to capture accurate payment history. The information is, therefore, unreliable and unverifiable. 

Furthermore, there shouldn't have been showing NO DATA shown for months where I had payment agreements in place whether its fees or not, yet your report shows late statuses. 

XXXX. Internal and Cross-Bureau Inconsistencies ( Experians Reports ) : The payment history that they are furnishing is inconsistent even within Experians own reports and is fundamentally unverified when compared across credit bureaus : Internal Inconsistencies : For the same time period ( e.g., XX/XX/XXXX through XX/XX/XXXX ), your reporting shows arbitrary mixes of contradictory data codes, including 60 ( Past due 60 days ), ND ( No Data ), CLS ( Closed ), 30, and even a checkmark ( Current ). For example, the status should not jump from 30 days late in XX/XX/XXXX to a checkmark in XXXX, nor should it show a checkmark for XX/XX/XXXX followed by 60 days late. There should be no dashes on months that I have made constant payments on. This is contradictory reporting pattern is a clear trail of inaccurate and unverified information.

Cross-Bureau Inconsistencies : The data furnished to Experian directly conflicts with the information on my TransUnion report for the same period. Furthermore, Equifax is not reporting any negative information at all for this account, proving the data furnished to Experian is erroneous and not generally verifiable. 
Violations of the Fair Credit Reporting Act ( FCRA ) Your actions violate multiple sections of the FCRA 15 U.S.C. 1681e ( b ) - Failure to Ensure Maximum Possible Accuracy : They are failing to maintain " reasonable procedures to assure maximum possible accuracy '' of the information reported. The contradictory payment history described above is the very definition of inaccurate reporting.

15 U.S.C. 1681s-2 ( b ) - Failure to Conduct Reasonable Investigation : They have failed to conduct a proper and reasonable investigation after receiving notice of my disputes on multiple occasions. A reasonable investigation would have revealed the extreme and verifiable inconsistencies and required the deletion of this tradeline. 

Since XXXX XXXX XXXX can not provide consistent, accurate, and verifiable data, and because they failed to investigate has compounded the harm to my credit file, I demand the immediate and permanent deletion of the entire XXXX XXXX XXXX tradeline ( Acct. # XXXX ) from my Experian credit file. 

If this tradeline is not permanently deleted within 30 days of your receipt of this complaint, I will pursue all legal remedies available under the FCRA to recover actual damages, statutory damages, punitive damages, and attorney 's fees. 
I expect notification that this account has been deleted.

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