Consumer complaint received 2025-01-20 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: NY

Complaint narrative:
I am submitting this rebuttal regarding Complaint ID XXXX to challenge the inadequate response I received from Experian. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and respond to disputes within 30 days. CFPB marked it as " closed '' without resolution. Experian has failed to comply with its obligations under the FCRA. 


Key Issues with Experians Response : 1. Failure to Provide Proof of Verification : Experian claims that the disputed accounts were verified, yet they have not provided any documentation from the original furnishers to support this claim. Per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), they are required to substantiate the information on my report or delete the items if they can not be verified.

2. Incomplete Investigation Process : Experian has not provided proof that they completed the investigation properly or adhered to the legal 30-day timeline under 15 U.S.C. 1681i ( a ) ( 1 ). Without proof of compliance, the disputed items must be removed.

Requested Resolution : I respectfully request the CFPB to ensure that Experian : 1. Immediately deletes the following items from my credit report unless they can substantiate them with documentation : Disputed Accounts and Issues : 1. Dept. of EdXXXX Account Number : XXXX Issue : This account is incorrectly reporting 3 late payments. On my XXXX report, there are XXXX late payments reported. I dispute the accuracy of these reported late payments. Please provide proof of the payment history and evidence of the late payments, or delete this information. 

2. XXXX XXXX XXXX Account Number : XXXX Issue : This account is reporting missed payments. I dispute the accuracy of this claim. Please provide a complete payment history and records of missed payments since the account opened. If you can not verify this, please delete this negative information. 

3. XXXX XXXX. 

Account Number : XXXX Issue : This account is reporting missed payments and late payments. I dispute these inaccuracies and request records of all payments made and any missed payments. If these can not be verified, the negative information must be deleted. 

4. XXXX XXXX XXXX Account Number : XXXX Issue : I never had a contract with this debt collector for this debt. I request proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If this proof can not be provided, delete this account from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Issue : I never had a contract with this debt collector for this debt. I request proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. If this proof can not be provided, delete this account from my credit report. 


2. Provides : Documentation from the data furnishers verifying the accuracy of the disputed items. 

A detailed explanation of how Experian conducted the investigation and complied with the FCRA timeline.

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