Consumer complaint received 2025-12-15 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: CO

Complaint narrative:
COMPLAINT SUMMARY I am submitting this complaint because Experian, TransUnion, and Equifax, along with multiple data furnishers, have failed to conduct a reasonable reinvestigation of disputed credit report information as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I formally disputed multiple negative items on my credit reports in writing and specifically requested documentary proof to validate the alleged late payments, delinquencies, charge-offs, and repossession reporting. In response, the credit bureaus marked the disputes as completed or verified, yet no documentation, contracts, account statements, or payment histories were ever provided to me.

PRIOR ACTIONS TAKEN BY ME 1. I sent written dispute letters to Experian,
TransUnion, and Equifax.

2. I requested : Original signed agreements or proof of personal liability Complete account statements Proof of payment due dates and late payment notices Documentation supporting charge-offs and repossession claims 3. I allowed the full statutory investigation period.

4. I received responses stating the disputes were completed, but no proof or evidence was supplied. 

At no time did any bureau or furnisher provide the documents required to substantiate the reporting. 



ACCOUNTS AT ISSUE ( NOT EXHAUSTIVE ) The following furnishers continue to report negative or disputed information without validation : XXXX XXXX XXXX loan reporting repeated late payments XXXX XXXX Charged-off credit card with unverified balance XXXX  XXXX Multiple personal and business accounts reporting delinquency without proof of personal guarantee XXXX / XXXX Auto loan reporting repossession without notice or accounting XXXX XXXX Bank XXXX Secured accounts reporting late payments XXXX  Card Late payment reporting XXXX  XXXX Bank Late payment reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment reporting BASIS FOR COMPLAINT 1. Failure to Conduct a Reasonable Reinvestigation The bureaus appear to rely on automated electronic verification systems rather than reviewing original source documentation, which does not meet the FCRA standard for a reasonable investigation under 15 U.S.C. 1681i ( a ).

2. Failure to Ensure Maximum Possible Accuracy Information is being reported despite : Missing contracts Missing billing statements Missing proof of late payments Inconsistent balances and dates This violates 15 U.S.C. 1681e ( b ).

3. Verification Without Evidence Marking an account as verified without providing any documentation deprives me of my right to meaningfully challenge inaccurate reporting and frustrates the dispute process.

4. Improper Reporting of Business Accounts Certain business credit accounts are reported on my consumer credit file without proof of a valid personal guarantee or legal obligation.

5. Improper Charge-Off and Repossession Reporting Charge-off and repossession entries are reported without required notices, accounting, or post-event documentation. 



HARM CAUSED As a result of this inaccurate and unverifiable reporting, I have suffered : Credit score damage Increased borrowing costs Denials or unfavorable terms for credit and financing Ongoing inability to correct my credit file despite good-faith

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