Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days I am disputing the reported 120-day late payments in XX/XX/XXXX for this account opened on XX/XX/XXXX. I request verification of the accuracy of this delinquency. If these late payments can not be fully validated, please update the entry in accordance with the FCRA. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days This account shows 120-day delinquencies for early XXXX. Im requesting a thorough investigation into the accuracy of this reporting. If the data is incorrect or unverified, I ask that it be promptly corrected. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days Please verify the late payments reported in XXXX and XX/XX/XXXX on this account opened on XX/XX/XXXX. These delinquencies are unexpected, and if they can not be substantiated, they should be corrected under the FCRA. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days This account reflects serious delinquencies that I do not believe to be accurate. Im requesting validation of these reported late payments. If proof is not available, I ask for immediate correction. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days Im requesting an investigation into the late payment entries for this account, as I believe the reporting to be inaccurate. Please verify the legitimacy of the delinquencies and take appropriate action if they are unsubstantiated. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days There are reported 120-day delinquencies on this account. I request a review and validation of the accuracy of this information. If it can not be confirmed, I ask that the account be updated from my credit report. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days This account shows significant late payments that require verification. I dispute the accuracy of these delinquencies and request correction under the FCRA if they can not be validated. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days For the account Im disputing the reported late payments. Please verify their accuracy, and if there is any error or lack of documentation, I ask that the entries be corrected accordingly. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days I am disputing the accuracy of the delinquency reporting for this account. The payment history for XXXX appears to be incorrect, and I request full verification or immediate correction under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days This account reflects late payments that I do not believe are accurate. Please investigate and validate the reported delinquencies. If they can not be substantiated, I request that they be promptly correction. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days I dispute the delinquency reported for this account. Im requesting verification of all reported late payments. If proof of these delinquencies can not be provided, the negative marks should be update in compliance with the FCRA. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days These entries show delinquencies I do not recognize. Im requesting a full investigation into the accuracy of the XXXX late reports. If they are found to be incorrect or unverifiable, please remove them accordingly. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX Payment Status : Late 120 Days I believe the late payments reported in early XXXX are inaccurate. Please verify the account records and correct any discrepancies that can not be validated. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days This account is showing delinquency I do not believe is accurate. Please confirm the legitimacy of this information. If unverifiable, I request its correction from my credit file. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days The payment status reported as late seems to be inaccurate. Please review the account history and provide proof of delinquency or update the record as required by law. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Payment Status : Late 120 Days This accounts reporting of missed payments is questionable. I am requesting a formal investigation of any unverifiable negative information per FCRA guidelines. 

XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX and XX/XX/XXXX Payment Status : Late 120 Days I am disputing the accuracy of the reported 120-day late payments for these accounts. I believe this information is incorrect and does not reflect my payment history. Under the Fair Credit Reporting Act ( FCRA ), I request that this account be fully investigated and verified. If the reported delinquencies can not be substantiated with valid documentation, I respectfully ask that the inaccurate information be deleted from my credit file.

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