Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unlawfully reported negative items appearing on my credit reports. The following accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ) due to inaccurate data, unverifiable balances, and improper reporting procedures. 
XXXX ( XXXX XXXX ) Account ending : XXXX Reported issues : Two late payments reported on an open account with a {$0.00} balance and $ XXXX  monthly payment. 
Violation : Reporting late payments on a zero-balance, open account contradicts FCRA 1681e ( b ) ( maximum possible accuracy ) and creates a materially misleading representation of my payment history. The creditor has not provided documentation validating these alleged late payments.

Demand : Immediate deletion or correction of inaccurate payment history entries. 
XXXX XXXX Account number : XXXX Reported issues : Two late payments and a {$150.00} past-due amount despite the account being open and recently updated. Payment records are inconsistent and unverifiable.

Violation : Under FCRA 1681s-2 ( b ), the furnisher must investigate and correct disputed information upon notice. To date, XXXX XXXX has failed to provide proof of late payments or proper notice of delinquency before reporting. 
Demand : Remove or update this account to reflect accurate and verified payment history. Cease any reporting of unverifiable delinquency. 
XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX Originated by XXXX ) Account number : XXXX Reported issues : Account reported as a collection for {$2000.00}, opened XX/XX/year>, though I have no verified or signed agreement with this company or its alleged predecessor. No validation or original documentation has been provided. 
Violation : Reporting a debt without validation violates FDCPA 809 ( 15 U.S.C. 1692g ) and FCRA 1681s-2 ( a ) ( duty to report accurate information ). This furnisher is reporting as a debt buyer but has provided XXXX substantiation of the debts origin, ownership, or accuracy. 
Demand : Immediate deletion of this collection account and CFPB investigation into XXXX XXXX  data furnishing and collection practices. 
XXXX XXXX XXXX Account number : XXXX Reported issues : Account charged off with a {$260.00} balance, {$120.00} past due as of XX/XX/year>, and six potentially negative months reported despite inconsistencies in the payment history. 
Violation : XXXX has failed to provide proper validation of the debt and continues to report an inconsistent payment timeline, violating FCRA 1681i ( failure to conduct reasonable reinvestigation ). The pattern of inconsistent updates suggests the account is not being reported with maximum possible accuracy.

Demand : Correct or delete this entry entirely, as it can not be verified with accurate, consistent documentation.

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