Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, unverifiable, and unlawfully reported information appearing on my consumer credit reports. Despite prior disputes, the following accounts and inquiry continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ). 

The information listed below contains contradictory data, impossible dates, unlawful re-aging, and/or lacks a permissible purpose. These reporting errors have caused ongoing harm to my credit profile. 

DISPUTED ACCOUNTS & INQUIRY XXXX. XXXX  XXXX XXXX Account # XXXX This account is being inaccurately reported across the credit bureaus with conflicting dates, balances, and payment history. One bureau has already deleted this account due to inability to verify, yet others continue reporting it with different last payment dates, different account statuses, and delinquency activity years after the account was closed. A single account can not lawfully report contradictory information across bureaus. This proves the account is not verifiable and fails the FCRA 1681e ( b ) maximum possible accuracy requirement. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX This account shows continued late payment or charge-off activity long after the last actual payment and activity date. Closed and charged-off accounts can not legally generate new delinquency data years later. This is unlawful re-aging and materially false reporting. Other bureaus show no corresponding data, proving the information can not be consistently verified. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX This account is being reported with impossible and contradictory information, including fabricated charge-off codes extending into recent years despite no activity since XXXX. Reporting differs between bureaus, and at least one bureau has deleted the account due to inability to validate the data. Continued reporting violates FCRA reinvestigation and accuracy standards. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX  This account lacks consistent identifying information, reports contradictory balances and dates, and can not be verified with any complete payment history or contract. The furnisher has failed to provide consistent data across bureaus, rendering the tradeline legally unverifiable. 

XXXX. Experian XXXX XXXX XXXX XX/XX/XXXX This inquiry was made without my knowledge, consent, or authorization. I did not apply for credit and did not have a permissible purpose relationship with this entity. Under FCRA 1681b, this inquiry must be removed unless documented proof of permissible purpose can be provided. 

VIOLATIONS IDENTIFIED Reporting inaccurate and contradictory information Failure to conduct a reasonable reinvestigation Illegal re-aging of charged-off accounts Reporting information that can not be verified Lack of permissible purpose for inquiry access

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