Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this complaint because multiple items on my credit reports are being verified through automated e-OSCAR responses without any actual documentation being provided to me, which violates the Fair Credit Reporting Act ( FCRA ). I have disputed these accounts multiple times with the credit bureaus, yet the results return within minutes or hours with generic responses such as verified as accurate even though no investigation was actually performed.

This pattern indicates that neither the bureaus nor the furnishers conducted a reasonable reinvestigation as required under FCRA 1681i ( a ), nor did the furnishers provide proper validation or verification as required under FCRA 1681s-2 ( b ). All parties appear to be relying solely on automated system codes rather than actual records.

I am requesting CFPB intervention because these repeated failures constitute clear violations of : FCRA 1681i ( a ) failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 2 ) failure to obtain and provide documentation from furnishers FCRA 1681i ( a ) ( 5 ) failure to correct or delete inaccurate data FCRA 1681s-2 ( b ) furnishers failing to investigate disputes properly FCRA 607 ( b ) failure to ensure maximum accuracy FCRA 602 ( A ) consumer rights to fair and accurate reporting I am not disputing based on preference. I am disputing because the information is inaccurate, incomplete, or unverifiable, and the bureaus are refusing to provide proof of their verification.

Below are the accounts where no documentation was provided, and where the bureaus continue to verify inaccurately : 1 XXXX XXXX XXXX ( XXXX ) Collection for XXXX XXXX. Experian continues verifying without supplying : proof of assignment, contract, account-level records, or itemized statements. Violates 1681i and 1681s-2 ( b ). 

2 XXXX  ( XXXX ) A 30-day late for XX/XX/XXXX is not accurate. XXXX has not produced a payment ledger. Bureaus keep marking disputedFCRA meets requirement without proof. 

3 XXXX XXXX ( Account ending XXXX ) Reporting late history inconsistently between bureaus and lacking supporting documentation. No billing statements or payment records were provided. 

4 XXXX XXXX ( Account ending XXXX ) Same issueno backup documentation, inconsistent dates, no signed contract, no charge-off records. 

5 XXXX XXXX Bank ( Account ending XXXX XXXX ) Repeatedly verified using automation. No payment history logs or delinquency evidence supplied. 

6 XXXX XXXX XXXX  ( Account ending XXXX XXXX ) Multiple reinvestigations with no documentation returned. Bureaus use the same auto-response each time. 

7 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reporting as collection/charge-off without any supporting records. No itemized ledger or original agreement supplied. 

8 XXXX XXXX ( Account ending XXXX ) Delinquency months appear inconsistent and do not match actual payment records. No statements or evidence have been provided. 

9 XXXX XXXX ( Account ending XXXX XXXX XXXX ) Past-due months and dates updated incorrectly. Againno investigative documents produced. 

11 XXXX XXXX XXXX  ( Account ending XXXX ) Repeated verified responses without providing payment ledger or documentation of delinquencies. 

12 XXXX  XXXX / FHA Mortgage Late payments reported without providing copies of servicing notes, escrow records, or payment history. No evidence returned. 

13 XXXX XXXX XXXX XXXX XXXX XXXX Late payments from XXXX were verified but XXXX has not provided payment records or proof supporting these entries. 

REQUEST FOR CFPB INTERVENTION I am requesting that the CFPB require : Full, manual reinvestigations for all 12 accounts.

Actual documentation ( contracts, statements, itemized history, servicing notes ) from each furnisher, not automated e-OSCAR codes.

Deletion of any item that can not be fully verified with documentation as required under FCRA 1681i.

Review of the credit bureaus continued use of automated verification, which is not a reasonable reinvestigation under the FCRA.

I am not requesting goodwill removals I am requesting legal compliance and maximum accuracy.

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