Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Following a detailed review of the Experian credit report generated on XX/XX/XXXX, the following inconsistencies and potentially inaccurate or unverifiable entries were identified. These items may violate one or more provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX XXXX XXXX Marked as charged off in XX/XX/XXXX but shows a {$0.00} balance and 'purchased by another lender. ' This tradeline should reflect the charge-off date, show a {$0.00} balance, and indicate it was sold. Inconsistent reporting may violate FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows 30-day and 60-day late payments in XXXX despite the account being current in XXXX. Missed payments are disputed and not reflected similarly on other bureau reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contains multiple 30-day delinquencies between XXXX. Payment history contains inconsistencies with actual payment activity ( e.g., no payments posted despite balances decreasing ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shows delinquencies in XXXX XXXX, yet consumer indicates consistent payments. Prior disputes were not resolved accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account reports 30-day delinquency in XX/XX/XXXX. Payment history in the same report suggests regular activity, conflicting with delinquency mark. 
XXXX XXXX XXXX XXXX XXXX XXXX Still shows delinquent payments and a balance, although the account is listed as closed. Status conflicts with balance and payment record. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquency reported on an account now closed and paid. Negative marks persist despite dispute and balance resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX Multiple serious delinquencies ( 30120 days ) reported in XXXX. However, consumer reports payments made ; requires validation. 

Applicable Consumer Protection Laws and Validation Demands- XXXX XXXX FCRA 1681i XXXX XXXX  : Credit reporting agencies must reinvestigate disputed items within 30 days.

- XXXX XXXX  FCRA 1681s-2 ( b ) XXXX XXXX XXXX  Furnishers must report accurate information and correct or delete data that can not be verified.

XXXX XXXX XXXX  FCRA 1681e ( b ) XXXX XXXX XXXX Consumer reports must maintain maximum possible accuracy.

- XXXX XXXX FDCPA 809 ( a ) XXXX XXXX  : Debt collectors must provide validation of debt upon request.

- XXXX XXXX FDCPA 1692e XXXX XXXX XXXX Prohibits the use of false or misleading representations by debt collectors. XXXX XXXX XXXX FDCPA 1692f XXXX XXXX XXXX Prohibits unfair or unconscionable collection practices.

I hereby demand that Experian and the data furnishers validate the accuracy of the above-listed accounts. If any entry can not be verified with full supporting documentation, I request its immediate correction or deletion in accordance with the FCRA. Continued reporting of inaccurate or unverifiable data may result in further legal action.

Expanded Legal Citations and Validation Demand The following federal laws apply to the reporting and correction of inaccurate or inconsistent credit information, and they establish your right to dispute, validate, and correct such information : XXXX XXXX XXXX  FCRA 1681i ( 15 U.S. Code 1681i ) XXXX XXXX  : Requires credit bureaus to conduct a reinvestigation of disputed information within 30 days. If the information can not be verified, it must be deleted or corrected.

- XXXX XXXX FCRA 1681s-2 ( b ) XXXX XXXX XXXX Mandates that furnishers of credit information ( such as banks, lenders, and collectors ) must investigate disputes received through credit bureaus. They must correct or delete any information found to be inaccurate or unverifiable.

- XXXX XXXX FCRA 1681e ( b XXXX XXXX XXXX  : Imposes a duty on credit bureaus to maintain maximum possible accuracy in the data they report. Failure to do so may result in consumer harm and legal liability.

XXXX XXXX XXXX  FDCPA 809 ( a ) ( 15 U.S. Code 1692g ( a ) ) XXXX XXXX XXXX Requires debt collectors to provide validation of the debt upon the consumer 's request, including the name of the original creditor and the amount owed. XXXX XXXX XXXX FDCPA 1692e XXXX XXXX : Prohibits any false, deceptive, or misleading representation in connection with the collection of a debt, including misrepresenting the character, amount, or legal status of any debt.

- XXXX XXXX FDCPA 1692f XXXX XXXX XXXX Forbids unfair or unconscionable means to collect or attempt to collect any debt.

Based on these protections, I formally demand that Experian and all data furnishers provide complete validation of the reported information identified as inaccurate or inconsistent above. This includes the full payment history, date of last payment, charge-off details, and any documentation supporting delinquency or status.

If validation can not be provided in accordance with the law, the information must be immediately corrected or removed from the credit report. Failure to comply will result in additional complaints filed with the CFPB, FTC, and may warrant legal action under applicable statutes.

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