Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint due to persistent inaccurate and unverifiable information on my credit report that remains unresolved, despite my repeated attempts to dispute and resolve the matter with the involved companies. These inaccuracies are harming my credit score and financial stability. The companies involved have failed to provide adequate verification, and the information reported does not meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

Account Details and Violations : XXXX XXXX ( Last reported XX/XX/XXXX ) : Reported balance : {$9100.00}, credit limit : {$10000.00} ( 86 % usage ). 
The account was opened on XX/XX/XXXX. 
Violation of FCRA Section 1681i ( Reasonable investigation ) : The reported information is inaccurate, and despite multiple attempts to dispute, no verification or documentation has been provided. 
XXXX ( Closed on XX/XX/XXXX ) : The account is inaccurately reported as still open or has incorrect payment history. 
Violation of FCRA Section 1681i : The company has not provided the necessary verification, which is required by law. 
XXXX ( Closed on XX/XX/XXXX ) : The account is still reported as active or with erroneous details. 
Violation of FCRA Section 1681b ( a ) ( 3 ) : The reporting of the account status violates the requirement for accuracy under the law. 
XXXX ( 60 days late ) : The 60-day late payment is inaccurately reported and has been disputed multiple times with no adequate verification provided. 
Violation of FCRA Section 1681c : This late payment report is inaccurate and outdated, and should have been corrected as part of the dispute process. 
Legal Grounds for Immediate Removal : Fair Credit Reporting Act ( FCRA ) Section 1681i : Under FCRA, all credit reporting agencies and furnishers of information must conduct a reasonable investigation when a consumer disputes information. If they can not verify the accuracy of an account, they are required to delete the account or mark it as disputed.

If no proof is provided, these items must be deleted from my credit report. 
FCRA Section 1681b ( a ) ( 3 ) Permissible Purpose for Reporting : Under FCRA, credit information can only be reported if it is accurate and verifiable. Reporting inaccurate or unverifiable data is a direct violation of my consumer rights.

Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section of the FDCPA prohibits misrepresentation of information, including false claims regarding account balances and statuses. Reporting inaccurate late payments or showing an account as open when it has been closed is a violation of these consumer protection laws.

FCRA Section 1681c Obsolete Information : Accounts that have been paid off or closed and are no longer relevant to the consumers creditworthiness should not be reported indefinitely. This includes late payments and other negative marks that have been resolved but still appear.

What I Have Done : I have disputed this information multiple times with both the credit bureaus and the companies involved. However, they have not provided any documentation or verification to substantiate their claims, leaving the inaccuracies unresolved. I have requested that the companies correct or delete these items, but they have failed to respond or provide any verifiable proof. 

Requested Outcome : In compliance with the Fair Credit Reporting Act, I request the immediate removal or correction of the following items : XXXX XXXX  Incorrect balance reporting and inaccurate usage. 
XXXX  Incorrect reporting of account status and payment history. 
XXXX Incorrect status or reporting on closed account. 
XXXX Incorrect 60-day late payment. 
I request these items be removed from my credit report immediately, as the reported information is unverifiable and inaccurate. If the information can not be verified, it should be deleted under the legal requirements of FCRA Section 1681i.

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