Consumer complaint received 2025-08-16 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: IL

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Respondents : XXXX XXXX XXXX XXXX XXXX XXXX ( Furnisher ) Experian Information Solutions, Inc. ( CRA XXXX XXXX, XXXX ( CRA ) Complaint Summary : This complaint is an escalation regarding unresolved FCRA violations by XXXX XXXX XXXX ( XXXX XXXX XXXX and the credit reporting agencies Experian and TransUnion. 

Allegations Against XXXX ( XXXX XXXX ) : XXXX failed to meet its obligations as a data furnisher under FCRA XXXX ( b ) and the Truth in Lending Act. In response to my dispute, XXXX only produced a transaction history and failed to provide the legally required documentation, including : XXXX. The signed mortgage agreement/note defining due dates, grace periods, and delinquency terms. 
XXXX. A complete accountant-level ledger showing the First Date of Delinquency ( FDDO ), actual payment receipt dates, and posting dates as required under 15 U.S.C. 1666b ( Timing of Payments ). 
XXXX. The ACDV ( Automated Consumer Dispute Verification ) file transmitted to Experian and XXXX. 
XXXX. Investigation records identifying who investigated, when the reinvestigation occurred, what documents were reviewed, and how the conclusion was reached. 

Nationstars reliance on only a transaction history is not competent evidence. Courts have repeatedly rejected this practice : XXXX XXXX XXXX ( XXXX ) : Billing statements and histories are not proof of delinquency. 
XXXX v. XXXX  ( XXXX ) : Push-button verification is not a reasonable investigation. 
XXXX v. XXXX  ( XXXX ) : CRAs and furnishers can not rely solely on automated data. 

By failing to provide this documentation, XXXX is in violation of : FCRA 623 ( b ) ( 1 ) ( A-D ) failure to reasonably investigate.

FCRA 1681s-2 ( b ) failure to correct inaccurate reporting.

15 U.S.C. 1666b failure to credit payments as of date received.

15 U.S.C. 1666 failure to properly investigate billing errors.

Allegations Against Experian & XXXXXXXX  : Both Experian and XXXX  verified the disputed late payment ( s ) as accurate despite XXXX failure to provide competent supporting documentation. 

This constitutes : FCRA 1681i ( a ) ( 5 ) ( A ) CRAs must delete unverifiable information.

FCRA 1681e ( b ) duty to ensure maximum possible accuracy. 

By continuing to publish XXXX unverifiable derogatory data, the CRAs are jointly liable for the harm caused to me. 

Requested Relief : XXXX. Deletion of the disputed late payment ( s ) from all credit reports. 
XXXX. Alternatively, compel XXXX to produce the required documentation : Signed agreement Full payment ledger ( with FDDO, receipt date, and posting date ) ACDV file Investigation records ( who, what, where, when, how ) XXXX. Require Experian and TransUnion to suspend reporting until verification is provided. 
XXXX. Escalate this case to CFPBs Supervisory Division given the pattern of systemic noncompliance. 

Conclusion : XXXX, Experian, and XXXX  have failed to comply with their statutory duties. The absence of governing documents, reliance on transaction history alone, and continued verification of unverifiable derogatory data represent willful violations of the FCRA and TILA. 

I demand deletion of the late payment ( s ) or full documentation as outlined above, with damages reserved under FCRA 1681n for willful noncompliance.

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