Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Follow-Up Dispute Verification FCRA and TILA Violations Regarding XXXX Account Dear CFPB, I am submitting this formal complaint concerning XXXX  for continued inaccurate reporting and failure to properly verify disputed information under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Despite submitting prior disputes, the credit reporting agencies continue to report conflicting and inaccurate data, causing ongoing harm to my creditworthiness. 

Account Information in Dispute : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} Closed Date : XX/XX/XXXX ( XXXX only ) Past Due Amount : {$110.00} Payment Status : Late 30 Days Date Reported : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX XXXX XXXX ), XX/XX/XXXX ( XXXX XXXX, XX/XX/XXXX ( XXXX ) Discrepancies & Inaccuracies Identified : Date of Last Activity : XXXX XXXX XX/XX/XXXX Experian : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( a full year later ) Closed Date Reporting : Only XXXX lists a closed date ( XX/XX/XXXX ) ; Experian and XXXX  do not. 

Date Reported : XXXXExperian show XX/XX/XXXX XXXX shows a different date : XX/XX/XXXX Credit Limits : XXXX & Experian XXXX {$1000.00} XXXX : {$0.00} reported Delinquency History ( Two-Year ) : All three bureaus report late payments, but the pattern, number, and severity of lates are inconsistent. 

Example : XXXX shows lates through XX/XX/XXXX but does not match Experian or XXXX status for that month. 

These reporting discrepancies violate my rights under the FCRA and suggest that reasonable procedures were not followed to ensure the accuracy and integrity of the information. 

Violations of Federal Law : 15 U.S.C. 1681i Failure to Conduct a Reasonable Investigation : The agencies did not perform a proper reinvestigation or resolve inconsistencies following my dispute.

15 U.S.C. 1681e ( b ) Inaccurate or Incomplete Information : The agencies have failed to maintain maximum possible accuracy, allowing incorrect data to persist.

15 U.S.C. 1681s-2 Duties of Furnishers : XXXX, as the furnisher, did not appropriately investigate or update the disputed information after being notified. 

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : I have not received any original signed contracts or substantiating documentation validating this debt.

15 U.S.C. 1681i ( 7 ) Description of Investigation : The bureaus have not provided a description of the investigation within 15 days of my request, as required by law.

TILA 15 U.S.C. 1601 Lack of Transparency and Accuracy : The inconsistent disclosures regarding balances, terms, and reporting periods violate the requirement for clear and accurate reporting. 

Resolution Requested : Due to these multiple violations and persistent inaccuracies, I respectfully demand : Immediate deletion of the XXXX  account from all credit reports ( XXXXXXXX, Experian, and XXXX ). 

A written explanation of the reinvestigation process, including documentation used to verify the account. 

Confirmation in writing that no unverifiable or inaccurate information will be reinserted. 

A formal investigation by your office into the credit bureaus and furnishers non-compliance with federal law. 

Compensation or corrective action for the ongoing damage to my credit score and ability to access credit products.

Thank you for your time and attention to this matter. I trust that the CFPB will act promptly to address this issue and enforce compliance with the laws designed to protect consumers.

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