Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
Subject : Inaccurate, Incomplete & Unverifiable Reporting by XXXX and XXXX XXXX on Experian Report I am filing a formal complaint against XXXX, XXXX XXXX XXXX and Experian for inaccurate, incomplete, inconsistent, and unverifiable reporting on my Experian credit file. These violations involve : XXXX account ending XXXX XXXX  account ending XXXX I am NOT disputing that these accounts existed. 
I am disputing the accuracy, completeness, and verifiability of what is being reported. 

Both companies are furnishing information in violation of multiple FCRA sections, and Experian is failing to properly verify the data. 

XXXX Inaccurate , incomplete, and unverifiable reporting This closed charge card account ( opened XX/XX/XXXX ; last payment XX/XX/XXXX ; updated XX/XX/XXXX ) is reported with four late payments. 

The following serious issues exist : Missing and incomplete data fields : Balance : blank Credit limit : blank Balance updated : blank Terms : blank Monthly payment : blank Original creditor : blank Company sold : blank Payment history missing for multiple months Credit usage showing - % unavailable This is incomplete reporting, which = inaccurate under FCRA 602 & 607.

Inconsistent payment history : 60-day late ( XX/XX/XXXX ) 90-day late ( XX/XX/XXXX ) " XXXX '' ( XX/XX/XXXX ) 30-day late ( XX/XX/XXXX ; XX/XX/XXXX ) Major gaps in reporting for XXXX The timeline is inconsistent and appears to be missing data XXXX  is required to supply under FCRA 623. 

Verification failure : Experian marked it verified, but did NOT provide : Documents used Identity of verifier Method of verification Proof from XXXX A full account history This violates FCRA 611 ( a ) ( 7 ). 

XXXX has NOT supplied proof of each late payment or full account documentation. Without documentation, they can not legally report this negative information under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX Inaccurate, incomplete, and unverifiable reporting This open line of credit ( opened XX/XX/XXXX ) is reported with two late payments and multiple inconsistencies. 

Incomplete and missing data : Missing payment history months Missing reporting for XXXX & XXXX in multiple months Inconsistent status updated timestamps No terms listed No monthly payment Irregular highest balance reporting Gaps in credit usage reporting Incomplete reporting violates FCRA 602 & 607.

Conflicting payment history : 30-day late ( XX/XX/XXXX ) 60-day late ( XX/XX/XXXX ) Missing the months before and after Late payments are reported, but no full ledger No documentation supplied The payment history is unclear and inconsistent. 

Verification failure : Experian did not provide : Documentation used to verify Identity of verifier Method of verification Proof supplied by XXXX Itemized delinquency records This violates FCRA 611 ( a ) ( 7 ). 

XXXX has also failed to provide proof of delinquency, billing statements, or any documentation to substantiate each late payment. Under FCRA 623, they can not furnish negative information they can not substantiate. 

Experian failed its FCRA duties for BOTH accounts By marking both trade lines as verified, Experian violated : FCRA 602 Accurate & fair reporting FCRA 607 Reasonable procedures for maximum accuracy FCRA 611 ( a ) ( 1 ) Proper reinvestigation FCRA 611 ( a ) ( 7 ) Method of Verification requirement Experian has not shown : Any documentation Any verification method Any source of the verification Any compliance with 611 ( a ) ( 7 ) XXXX. XXXX and XXXX XXXX XXXX XXXX Provide full documentation supporting every reported late payment Provide complete payment histories Provide itemized account records Provide accurate data for all required fields If they can not verify each piece of information, they must : Remove the late payments OR Delete the entire account XXXX. Experian to : Provide a real Method of Verification Conduct a compliant reinvestigation Remove any unverifiable or incomplete information

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