Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, inconsistent, and unverified credit reporting associated with the following accounts : XXXX XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX  Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending XXXXXXXX XXXX XXXX  Despite prior disputes, these furnishers and/or credit reporting agencies continue to report information that is inaccurate, internally inconsistent across credit bureaus, and unsupported by verifiable documentation, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, as well as the Truth in Lending Act ( TILA ), 15 U.S.C. 1666 ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reported as paid/closed with a zero balance, yet late payment history and other derogatory indicators continue to appear across consumer reporting agencies. The reporting is inconsistent between bureaus with conflicting dates, statuses, and payment histories. These discrepancies demonstrate a failure to ensure maximum possible accuracy as required by FCRA 1681e ( b ). No documentation has been provided to substantiate the alleged delinquencies, including billing statements, payment histories, or creditor account records. As such, the continued reporting of late payments is inaccurate, unverifiable, and must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The payment history for this account is contradictory across credit bureaus. Some bureaus report late payments while others reflect the account as current or paid with no delinquencies. A single alleged late payment that appears on only one or two bureauswhile another bureau reports a clean historyproves the information is unreliable and not properly verified. Under FCRA 1681i ( a ) ( 5 ), unverifiable information must be deleted. Additionally, under TILA 1666 ( b ), a payment can not legally be reported as late without proof that a billing statement was properly delivered and payments were correctly applied. No such proof has been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reported as paid with a XXXX balance ; however, Experian continues to reflect a late payment that does not appear consistently across all bureaus. XXXX  reports the account as paid/current with no late payments, directly contradicting the derogatory information reported elsewhere. This inconsistency confirms that the information is not based on verified records and violates Metro 2 reporting standards as well as FCRA accuracy requirements. Without documentation validating the alleged delinquency, the late payment reporting is inaccurate and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This accounts reporting is internally inconsistent, with one bureau reflecting a late payment while another reports a clean, paid/current status. The presence of a single isolated late payment unsupported by uniform bureau reporting demonstrates that the data is unreliable and not verified through original creditor records. No billing statements, payment logs, or account-level documentation have been produced to substantiate the alleged delinquency. Under FCRA 1681i and 1681e ( b ), this information must be deleted due to its unverifiable nature.

FORMAL REQUEST FOR CFPB ACTION I am requesting that the CFPB require these furnishers and credit reporting agencies to : Delete all inaccurate and unverifiable late payment notations associated with the accounts listed above.

Cease reporting any information that can not be substantiated with original creditor documentation, including billing statements and complete payment histories.

Ensure full compliance with FCRA accuracy and reinvestigation requirements, including proper certification of verified data.

These items have caused and continue to cause harm to my credit profile. If the furnishers or credit bureaus can not produce competent evidence verifying the disputed information, federal law requires deletionnot continued reporting.

I respectfully request the CFPBs assistance in enforcing compliance and ensuring that my consumer rights are upheld.

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