Consumer complaint received 2025-01-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX Dear CFPB Representative, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding my account with XXXX. Despite my diligent efforts to address and resolve this issue, XXXX has failed to provide verifiable evidence supporting the late payments they continue to report. This misinformation has caused substantial harm to my creditworthiness and financial stability. 

I took the proper steps to dispute the reported late payments and requested a thorough investigation from XXXX. However, during my communication with their representatives over the phone, I was informed that they are unable to verify the accuracy of the reported late payments. They admitted that their records are limited to basic account summaries and statements, and they lack the necessary documentation or systems to conduct a full investigation. Despite this, the incorrect information remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure that the information they report is accurate and verifiable. If they can not verify the accuracy of the information, it must be promptly removed from my credit report. XXXX failure to meet these standards is a clear violation of my rights as a consumer. 

The continued reporting of these inaccuracies has significantly impacted my life by : Hindering my ability to secure employment, particularly for positions that require comprehensive background checks. 
Preventing me from obtaining a mortgage to provide a stable home for my family. 
Limiting my ability to access future credit opportunities to rebuild my financial stability. 

As a dedicated professional employed with XXXX XXXX and XXXX XXXX and the primary provider for my wife and young daughter, these inaccuracies create unnecessary and unfair obstacles for my family and my career aspirations, including my upcoming training at the XXXX XXXX in XX/XX/2025. 

I respectfully request that the CFPB : XXXX. Investigate XXXX XXXX XXXX properly investigate my dispute and verify the accuracy of the reported information. 
XXXX. Require XXXX to provide concrete evidence supporting the reported late payments or delete the unverifiable information from my credit report immediately. 
XXXX. Ensure that XXXX complies with FCRA standards to protect consumers from the consequences of inaccurate reporting. 

Enclosed, I have included copies of my written dispute, any correspondence with XXXX XXXX and additional supporting documentation. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to ensure this matter is resolved fairly and that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX XXXX XXXX

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