Consumer complaint received 2025-12-10 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:
I am writing to formally dispute the reporting of my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX  which appears on my credit report with a balance of {$130.00}. According to the report, this account was opened on XX/XX/year>, and the last activity date is reported as XX/XX/year>. Upon reviewing my personal account records and statements, I have determined that the reported information is materially inaccurate. The account is reported with late activity that is inconsistent with my actual payment history and does not reflect the timely payments I have made. These inaccuracies create a false representation of my financial responsibility and creditworthiness. Under FCRA 607 ( b ), furnishers and credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of all reported information. Furthermore, under FCRA 611 ( a ) ( 1-5 ), I am entitled to request a reinvestigation of any information that is incomplete, inaccurate, or unverifiable. I am therefore requesting that you conduct a thorough investigation directly with XXXX XXXX to verify the balance, payment history, opening and closing dates, and account status. Any information that can not be substantiated must be corrected, updated to accurately reflect the true history of this account. Accurate reporting is essential to preserve the integrity of my credit profile and ensure that lenders and other entities receive a true and fair representation of my financial management. 
Additionally, I dispute the reporting of XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX  which is listed with a balance of {$160.00} and noted as tied up. My records indicate that this account was properly managed, and there is no evidence supporting the designation of this account as delinquent or unresolved. The tied up status is ambiguous and misleading, potentially causing confusion among creditors and adversely affecting my ability to access fair credit or loans. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know, or should reasonably know, is inaccurate. Reporting this account in its current state violates this requirement, as the information is incomplete, ambiguous, and does not reflect the accurate payment history or account status. I request that your bureau verify this account directly with XXXX XXXX, obtain supporting documentation for all reported statuses and balances, and promptly correct or update any inaccurate or unverifiable information. Proper verification and correction are required to maintain the accuracy and reliability of my credit report in accordance with federal law. 
The inaccurate reporting of these XXXX XXXX accounts has a tangible impact on my creditworthiness and my ability to access fair lending opportunities. Misreported balances, late payment information, and ambiguous account statuses can negatively influence lenders decisions, interest rates, and my overall financial reputation. Under FCRA 611 ( a ) ( 2 ) ( B ), I request written confirmation of the results of your reinvestigation, including detailed documentation of the verification process and any records obtained from 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