Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN ( Last 4 ) : XXXX Respondents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXXXXXX XXXX XXXXXXXX TransUnion LLC Consumer Reporting Agency Experian Information Solutions , Inc. Consumer Reporting Agency XXXX  XXXX XXXX XXXX XXXX XXXX Listed for reference ; not currently misreporting ) 1. Nature of Complaint This complaint concerns knowingly false, inconsistent, and damaging credit reporting by XXXX XXXX XXXX XXXX, and the failure of Experian and TransUnion to ensure maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). 
The account in question is : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Reported Balance : ~ {$2000.00} Disputed Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 2. Chronology and Core Facts I have never been late on this XXXX XXXX account. 
The XX/XX/XXXX and XX/XX/XXXX late payments occurred during a documented medical hardship period, for which I provided written notice and supporting records to XXXX XXXX under the CARES Act and CFPB guidance requiring hardship accommodation and accurate reporting. 

The XX/XX/XXXX late payment is completely false payment records prove the account was paid on or before the due date. 

Experian and TransUnion are the only bureaus still reporting these false late payments, while XXXX  correctly shows the account as current. This inconsistency is irrefutable evidence of inaccuracy and noncompliance with FCRA 1681e ( b ). 
Both bureaus were formally notified and given an opportunity to correct the error. Instead, they verified the false data without investigation and ignored my documentation. 

Official Dispute References : Experian Reference # : XXXX XXXX TransUnion Case # : XXXX XXXX  These references confirm receipt of my disputes and document each bureaus failure to reasonably reinvestigate as required by FCRA 1681i ( a ) ( 1 ) ( A ).

3. Violations By XXXX XXXX XXXX XXXX ( Furnisher ) : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Knowingly furnishing false information.

FCRA 1681s-2 ( b ) : Failing to investigate and correct errors after notice. 
FCRA 623 ( a ) ( 8 ) : Failing to delete unverifiable data. 
CFPB Bulletins XXXX & XXXX : Noncompliance with accuracy and furnishing obligations. 
By Experian & TransUnion ( Credit Bureaus ) : FCRA 1681e ( b ) : Failing to maintain maximum possible accuracy evidenced by conflicting reports compared to XXXX. 
FCRA 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a reasonable reinvestigation.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failing to provide the method of verification.

FCRA 1681i ( a ) ( 5 ) ( A ) : Failing to delete unverifiable information. 

Specific Case Evidence : Experian Reference # XXXX XXXX : Verified without documentation ; ignored evidence of on-time payments and medical hardship. 

TransUnion XXXX # XXXX XXXX  : Marked as verified, yet never reviewed supporting proof ; continues to show inaccurate XXXX and XXXX late marks. 

4. Pattern of Negligence This has been an ongoing pattern since XXXX, with repeated disputes ignored or verified without proof. 
The fact that XXXX  does not report the same late payments demonstrates reckless inconsistency and negligence by both Experian and TransUnion. 

Their actions have caused : Over XXXX credit score loss, Loan and refinance denials, Higher interest rates, and Reputational harm through false delinquency reporting. 
These violations represent defamation of character, negligent enablement of identity fraud, and willful noncompliance with federal law. 

5. Requested CFPB Action I request that the CFPB enforce immediate corrective and disciplinary action under the FCRA and Dodd-Frank 55315536, including : Immediate deletion of all inaccurate late-payment notations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Formal certification from XXXX XXXX verifying all future data furnished will be accurate and verified. 
Mandatory audit of Experian and TransUnion for non-compliance with 1681e ( b ) and 1681i. 
Civil penalties, restitution, and statutory damages for willful and negligent violations under FCRA 616 [ 15 U.S.C. 1681n ].

6. Evidence Provided Payment proof showing XX/XX/XXXX was on-time Medical hardship documentation ( XX/XX/XXXX & XX/XX/XXXX ) Credit reports from all three bureaus showing discrepancies Prior dispute letters & certified mail receipts Experian Reference # XXXX and TransUnion Case # XXXX documentation 7. Statement of Truth I, XXXX XXXX, declare under penalty of perjury that all statements in this complaint are true and correct. I have filed this complaint personally and have not authorized any third party to act on my behalf. 
Signed : XXXX XXXX Date : [ XX/XX/XXXX ] Location : XXXX, XXXX

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