Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXXYour NameXXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX City, State ZIP: XXXX XXXX XXXX Email: XXXX Phone: XXXX XXXX Date: XXXXTo:\n Consumer Financial Protection Bureau\XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Complaint  Inaccurate Reporting of Late Payment and Charge-Off in Violation of the Fair Credit Reporting Act (FCRA)\n\nDear Consumer Financial Protection Bureau,\nI am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) and the Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.). I am disputing inaccurate information being reported on my credit file concerning both a late payment and a charge-off account, which I believe have been reported in violation of federal law.\n1. Nature of the Dispute\nThe following accounts contain inaccurate or unverifiable information:\nCreditor Name: [Name of Creditor or Furnisher, e.g., XXXX XXXX XXXXXXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXDisputed Items: [Reported day late payment on [date] and/or Reported charge-off status his on my credit report\n\n\nI have never missed a payment on this account, and I have not been properly notified or validated of any charge-off. The information is therefore incomplete, inaccurate, and unverifiable as defined under 15 U.S.C. 1681i(a) and 1681s-2(b).\n\n\nThe following laws protect my right to accurate reporting and fair investigation:\n15 U.S.C. 1681e(b)  Credit reporting agencies must ensure maximum possible accuracy of all information they report.\n\n\n15 U.S.C. 1681i(a)  Upon notice of a dispute, CRAs must reinvestigate disputed information within 30 days.\n\n\n15 U.S.C. 1681s-2(b)  Data furnishers must conduct a reasonable investigation after receiving notice of dispute and correct or delete inaccurate information.\n\n\n15 U.S.C. 1681c(a)(5)  Prohibits obsolete or outdated information from remaining on a credit report.\n\n\n15 U.S.C. 1681n and 1681o  Establish civil liability for willful or negligent noncompliance with the FCRA, including actual damages, punitive damages, and attorneys fees.\n\n\n15 U.S.C. 1692e (FDCPA)  Prohibits any false, deceptive, or misleading representation in connection with the collection of a debt.\n\n\n\n3. Requested Action\nI am requesting that the CFPB:\nConduct an investigation into the creditors and credit bureaus failure to comply with FCRA requirements.\n\n\nRequire the furnisher and credit reporting agencies (Experian, Equifax, and TransUnion) to provide documented verification of the alleged late payment and charge-off.\n\n\nIf the information cannot be verified with competent evidence, it must be deleted or corrected immediately from my credit fileXXXXProvide written confirmation of the results of this complaint and the actions taken.XXXX5. Good Faith Notice\nThis letter is not a refusal to pay but a good faith request for correction of inaccurate data. I am exercising my rights under federal law to ensure fair and accurate credit reporting.\nIf the inaccurate information is not removed or corrected within the statutory time frame, I reserve the right to pursue civil remedies under 15 U.S.C. 1681n and 1681o.\nThank you for your prompt attention to this matter.\n\nSincerelyXXXX XXXX XXXX XXXX (Signature)\n 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