Consumer complaint received 2025-05-12 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: AL

Complaint narrative:
Subject : Rebuttal to Experians Inadequate Response CFPB Complaint To Whom It May Concern, I am writing to formally express that I am not satisfied with Experians response to my complaint. Their response fails to adequately address my concerns and appears to ignore both federal law and the documentation I have already provided. My concerns are as follows : 1. Failure to Remove Inaccurate Late Payments Experian has failed to remove inaccurate late payments reported on my credit file for XX/XX/XXXX and XX/XX/XXXX by TXXXX XXXX  These late payments are not supported by accurate records, and I have previously disputed this information in writing. I am requesting that the reporting on this account be corrected to : Paid as agreed, never late immediately. 
2. Failure to Remove Unverifiable Collection Account Experian continues to report an unverifiable collection account from XXXX XXXX XXXX XXXXn the amount of {$490.00}. This account has not been validated per my repeated requests, and Experian has failed to provide any original documentation to substantiate its accuracy. I am requesting that this account be removed from my credit report immediately. 
3. Failure to Provide Original Signed Contract or Agreement In both of my previous disputes, I requested that Experian provide the original signed contract or agreement for the accounts mentioned above. Experian has not provided this documentation, which is required under the Fair Credit Reporting Act ( FCRA ) when a consumer disputes the validity of information. 
4. Proof of Previous Disputes Sent via Certified Mail I have copies of handwritten dispute letters that I sent via certified mail, along with tracking and delivery confirmation from XX/XX/XXXX and XX/XX/XXXX. These letters clearly requested documentation including the original signed agreements, yet Experian continues to ignore these lawful requests. 
5. Violations of Federal Law 15 U.S. Code 1666b Timing of Payments : This law requires that payments be credited promptly and reported accurately. Inaccurate late payments violate this section.

18 U.S. Code 1028A Aggravated Identity Theft : The continued reporting of unverifiable or fraudulent accounts may fall under this statute if my identifying information was used without my authorization.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information.

15 U.S. Code 1681i ( a ) ( 5 ) : Requires prompt deletion or correction of disputed information that can not be verified.

Conclusion and Request Experian has not fulfilled its obligations under the FCRA and continues to report inaccurate, unverifiable, and potentially fraudulent information. I respectfully request the following actions be taken : Remove the collection account reported by XXXX XXXX XXXX in the amount of {$490.00} Correct the payment status on XXXX XXXX to reflect Paid as agreed, never late date XX/XX/XXXX XX/XX/XXXX Thank you for your assistance in ensuring that my credit file reflects accurate and verifiable information as required by law.

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