Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian has failed for over 60 days to properly reinvestigate and verify the accounts listed below. Instead of providing the documents I requested, Experian repeatedly sends me stall letters, copies of my credit report, and false statements claiming Im using a third-party company. None of this is verification under FCRA 1681i ( a ) or 1681e ( b ).

Below are the issues with each account : A. XXXX XXXX XXXX  Late Payment Acct # XXXX {$0.00} Balance Experian is reporting a late payment with a {$0.00} balance, which makes the tradeline hearsay without any payment-supporting documents.

To legally verify a late payment, Experian must obtain : The due date The date the payment was received The date the payment was posted Full payment ledger DOFD documentation Metro-2 compliant payment coding Experian has provided none of this. 
B. XXXX XXXX 3 VERSIONS OF THE SAME DEBT Experian is reporting a single XXXX XXXX XXXX  debt three different ways, which is illegal, misleading, and a major violation of FCRA.

1. XXXX XXXX Acct # XXXX {$1600.00} 2. XXXX XXXX Acct # XXXX {$1600.00} 3. XXXX XXXX XXXX Acct # XXXX {$1600.00} This is the same debt, but Experian is allowing : 2 different account numbers 2 different balances ( {$1600.00} and {$1600.00} ) 3 different company names Duplicate collection reporting Mixed data across multiple furnishers Inconsistent Metro-2 fields This violates : FCRA 1681e ( b ) accuracy FCRA 1681i ( a ) failure to reinvestigate FCRA 1681s-2 ( b ) furnisher verification FDCPA 1692e false representation of amount/creditor FDCPA 1692g ( b ) continued collection without validation Metro-2 one account = one tradeline What is required to verify a collection : The original XXXX XXXX XXXX agreement A full payment/billing ledger Itemized balance calculation Proof of ownership/assignment DOFD Pre-reporting notice Metro-2 compliance Experian has none of these documents.

This duplicate listing is illegal.

C. XXXX ( XXXX XXXX XXXX ) Acct # XXXX {$830.00} Medical Collection This is a medical collection, and Experian must obtain HIPAA-compliant validation.

To verify a medical debt, Experian must obtain : Original USAP billing records XXXX codes Dates of service Full itemized charges Proof of assignment to XXXX DOFD Metro-2 reporting fields None were provided.

This account has been in dispute, and the clock already started, but Experian did not obtain verification.

D. XXXX XXXX TWO SEPARATE CHARGE-OFFS Acct # XXXX {$950.00} Charge-off Acct # XXXX {$780.00} Charge-off Both charge-offs require : Original signed contract Full payment history Charge-off ledger Itemized breakdown of past due balances, interest, fees DOFD Metro-2 verification Experian has provided zero documents.

E. XXXX XXXX  Acct # XXXX {$1000.00} Charge-off To verify a charge-off, Experian must obtain : Contract Billing/payment ledger DOFD Charge-off worksheet Metro-2 fields Proof the balance is accurate None of this was provided.

LEGAL VIOLATIONS BY EXPERIAN FCRA Violations 1681i ( a ) failure to reinvestigate disputes 1681e ( b ) failure to maintain maximum accuracy 1681s-2 ( b ) accepting unverified data from furnishers FDCPA Violations ( collection accounts ) 1692g ( b ) continued collection/reporting without validation 1692e false representation of amount, character, or creditor Metro-2 Violations Duplicate reporting Mixed account numbers Mixed creditor names Missing DOFD Missing required fields Inaccurate status codes Experian has never provided one page of supporting documentation.

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