Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
Re : Request for Deletion XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is a formal dispute of the XXXX XXXX XXXX XXXX reporting on my credit file. The information you are displaying is factually inaccurate, internally inconsistent, and legally unverifiable. It violates multiple sections of the Fair Credit Reporting Act as well as XXXX reporting standards. 
You are currently reporting a XX/XX/year> late payment on an account that was paid in full, closed with a XXXX balance, and never delinquent. I have already requested full documentation twice, and neither XXXX XXXX nor the bureaus has provided a single required record, including : Payment ledger Monthly billing statements Internal account notes Timestamped verification records Audit trail Signed contract Proof of any late payment Your failure to produce documentation makes this information unverifiable under FCRA 611 ( a ), which means it must be deleted. 
Beyond that, the reporting itself is blatantly inaccurate : The account is reported differently on all three bureaus Date Reported is inconsistent across TU, EX, and EQ One bureau displays a future reporting date, automatically rendering the tradeline unverifiable Dispute remarks do not match across bureaus The account is simultaneously marked Closed, Paid, and Current Missing and incomplete payment data XXXX codes and compliance fields are not reported uniformly These inconsistencies violate FCRA 623 ( a ) ( 1 ) ( A ), which requires Experian to ensure only accurate information appears on my file. This tradeline is not accurate, not complete, and not consistent. 
I want to make this very clear : I never missed a payment on this account, and you are reporting false information without any supporting evidence. 
If the bureaus continues to maintain this inaccurate tradeline without providing complete documentary verification, I will proceed with legal action. I am prepared to file suit and will be seeking {$1000.00} per violation, as permitted under FCRA 616 and 617. All evidence, correspondence, and credit report versions are already prepared for filing. 
This is your final notice. 
You are required to take one of the following actions : Delete the entire XXXX XXXX tradeline immediately, or Delete the inaccurate XX/XX/year> late payment, if you believe any portion of the tradeline can be verified with lawful documentation ( which you have failed to produce so far ). 
you have 15 days to complete a lawful Procedural reinvestigation or delete the information entirely. 
I will not accept any generic stall letters or unverifiable responses.Either provide full proof or remove the entry. 
Sincerely, XXXX 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