Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Experian for its continuous failure to maintain the accuracy, integrity, and legal compliance of the consumer information it reports, specifically regarding the account listed below. Despite my attempts to resolve the issue directly with the credit bureau, the incorrect data persists in my file, which has caused substantial and unjust damage to my credit standing and financial well-being. 
Account in Dispute : Creditor Name : XXXX XXXX Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$240.00} Issue : Late Payment ( Inaccurate & unverifiable ) Summary of Issues : 1. Inaccurate Late Payment Reporting : This account is reporting a late payment which is factually inaccurate, and no documented evidence has been provided to substantiate the derogatory information. According to the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I have a legal right to request and receive verification and a full copy of any documentation that substantiates this reporting. Experian has failed to provide this.

2. Violation of FCRA 611 ( Dispute Procedure ) : I have disputed this account previously, and Experian responded without providing any proper reinvestigation or validation from the original creditor. Under FCRA 611, credit reporting agencies must conduct a reasonable reinvestigation of any disputed information. Experian failed in this duty by continuing to report unverifiable and inaccurate data.

3. Violation of FCRA 607 ( b ) Maximum Possible Accuracy : Experian is required by law to ensure that the data they furnish is complete and accurate to the best extent possible. Continuing to report this false late payment is a clear breach of this requirement.

4. Violation of FCRA 602 ( A ) : The FCRA was enacted to ensure fair and accurate credit reporting. This wrongful reporting defeats that purpose and causes unjust harm to consumers like myself.

Requested Resolution : Immediate deletion of the inaccurately reported late payment for the XXXX XXXX account from my Experian credit report. 
Written confirmation of the deletion and correction of the credit file.

A thorough reinvestigation in accordance with FCRA 611.

Compliance review by the CFPB to ensure Experian is held accountable for repeated negligence and failure to abide by the law. 
Supporting Statement : As a consumer, I have the legal right under the Fair Credit Reporting Act ( FCRA ) to dispute and correct inaccurate or unverifiable information reported by credit bureaus. When these agencies, like Experian, ignore or mishandle disputes, it violates my rights and damages my financial credibility. 
This false reporting by Experian is affecting my access to fair credit and has led to emotional distress and financial loss. I have exhausted my good-faith efforts to resolve this matter directly, and therefore I am requesting CFPBs intervention and investigation into this ongoing issue.

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