Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because Experian continues to report several inaccurate and unverifiable items on my credit report, even after I disputed them directly. These items are harming my credit standing, and Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), particularly under sections 607 ( b ) and 611 ( a ), which require accurate reporting and timely reinvestigation. 

The first issue concerns an account listed as XXXX XXXX XXXX with a balance of {$240000.00}, opened on XX/XX/XXXX. This account shows a late payment that I strongly dispute. I have never received any notice or documentation from the lender indicating that I was behind on payments. I have always paid this account responsibly, and Experian has failed to provide any verified documents that substantiate the alleged delinquency. According to FCRA 611 ( a ), if an account can not be properly verified, it must be removed. Reporting a late payment without adequate proof is inaccurate, misleading, and in violation of federal law. 

Another issue is the XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting a balance of {$2400.00} and listed as a charge-off, with a date opened of XX/XX/XXXX. I was never given proper notice about the charge-off nor offered the opportunity to bring the account current before it was reported. Experian has not produced any documentation proving that XXXX XXXX followed legal procedures when charging off this account. Under FACTA 312 and FCRA 607 ( b ), the information being reported must be accurate, complete, and verifiable. Without validation, this entry should not remain on my file. 

The XXXX XXXX account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/XXXX with a {$0.00} balance, also inaccurately reflects a late payment. This is an old and closed account with no outstanding balance. Reporting it as delinquent serves no accurate or fair purpose, and it misrepresents my payment history. I was never informed of any payment being late, and I received no correspondence from the lender to that effect. Experian has a duty under FCRA 607 ( b ) to ensure that data is reported with the highest degree of accuracy. Since this entry can not be verified with original documentation, it must be deleted under FCRA 611 ( a ). 

Additionally, Experian is reporting a late payment on my XXXX XXXX account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which was opened on XX/XX/XXXX, and shows a balance of {$29000.00}. I dispute the validity of this late payment, as I have never received any indication from XXXX XXXX that a payment was missed. Experian has not provided verification in the form of billing records, payment logs, or any other evidence. Under FCRA 1681e ( b ), credit reporting agencies are required to maintain procedures that ensure maximum possible accuracy. This late payment entry is unsupported and must be removed. 

Lastly, there is a collection account from XXXX XXXX XXXX ( ending in XXXXXXXX XXXX XXXX ), opened on XX/XX/XXXX, with a balance of {$130.00}. I have no knowledge of this debt. I was never contacted by the collector, nor did I receive any validation notice under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). The debt has not been verified, and Experian has failed to validate its reporting. Reporting a collection account without proper validation or notification is a clear violation of both FDCPA and FCRA. 

I attempted to resolve these disputes directly with Experian, but the reinvestigation results provided were generic and did not include any documentation to support the continued reporting of these accounts. Experians failure to correct or delete these items after dispute is a breach of its duties under FCRA and has caused me significant stress, credit denials, and financial harm.

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