Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I looked over my credit report and some accounts are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

15 USC 1681s-2 ( a ) ( b ) and 15 USC 1861i ( 5 ) ( a ) ( i ) & ( ii ) were also violated.

Any person who fails to comply and fix this matter will be liable under 15 USC 1681n, which is civil liability for willful noncompliance. 

Accounts : XXXX # XXXX. This account contains conflicting information across the XXXX credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX  # XXXX. This account contains conflicting information across the XXXX credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX # XXXX. This account contains conflicting information across the XXXX credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX  # XXXX. This account contains conflicting information across the XXXX credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX XXXX XXXX XXXXXXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) XXXX # XXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) XXXX # XXXX. This account contains conflicting information across the XXXX credit bureaus. This is a violation of 15 USC 1681e ( b ). Please investigate and update account accordingly. 
XXXX XXXX ( XXXX ) # XXXX. Had not provided any proof of originally signed application with my wet signature according to per FCRA 609 ( a ) ( 1 ) ), proof of chain of assignment, and proof they have the right to collect on this debt. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) and FCRA 609 ( a ) ( 1 ) ) XXXX XXXX # XXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ) ,15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii ) and 15 USC 1681B . his account is being reported exclusively to Experian and not reported to XXXX  or TransUnion, which results in an inconsistent and misleading credit profile. Under FCRA 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of consumer reports, including consistency and completeness. A selective negative tradeline creates an inaccurate and unfair representation of my creditworthiness. 
XXXX XXXX # XXXX. DELETE this account immediately due to violations of 15 USC 1681e ( b ), 15 USC 1681S-2 ( A ) & ( B ), and 15 USC 1681i ( 5 ) ( a ) ( i ) & ( ii )

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