Consumer complaint received 2025-12-10 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: NC

Complaint narrative:
I am filing a complaint against Experian, Equifax, TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and other furnishers reporting negative information on my credit file. 

There are multiple FCRA violations involving inaccurate, incomplete, unverifiable, or misleading reporting. Several accounts contain incorrect dates, inconsistent balances, conflicting statuses, and derogatory information that has not been verified with proper documentation. My file also contains fraud alerts and address discrepancies that the bureaus have not properly addressed. 

I previously disputed these items with the credit bureaus, but they did not conduct lawful reinvestigations under FCRA Section 611. They returned verified results without supplying any documentation. They appear to rely on automated e-Oscar responses instead of independent investigations, which violates the FCRA.

Under FCRA Section 607 ( b ), the bureaus must ensure maximum possible accuracy. Multiple tradelines on my report fail this standard. Under FCRA Section 623, furnishers may not report information they can not properly verify. 

IMPORTANT XXXX XXXX  ISSUE : I previously filed a CFPB complaint regarding the XXXX XXXX XXXX tradeline. In that case, the CFPBs own response indicated that the account could be fraud. XXXX  an account has been flagged as possible fraud, the furnisher and the credit bureaus have a legal obligation to stop reporting it as a verified debt unless they can conclusively prove that I opened and authorized the account with a signed contract and full account documentation. 

Despite this warning, XXXX XXXX XXXX  continues to report this account as a charged-off revolving debt with a high past due balance. Reporting a potentially fraudulent account as a confirmed charge-off is misleading and violates the FCRAs accuracy, investigation, and verification requirements. XXXX XXXX has never provided any signed application, contract, payment records, or authentication tying this account to me. If they can not produce such documentation, the tradeline must be deleted immediately. 

This applies equally to XXXX XXXX and XXXX XXXX, which are reporting collection accounts without providing proof of ownership, assignment, or original account records. Some debts also appear to be reported twice under different account numbers or slightly different names, which is misleading and causes double damage. 

Relevant case law supporting my complaint includes : XXXX XXXX TransUnion XXXX must conduct reasonable, independent reinvestigations XXXX XXXX XXXX XXXX XXXX unverifiable information must be deleted XXXX XXXX XXXX XXXX requires actual documentation XXXX XXXX Equifax unverifiable information can not remain Soghomonian v. Equifax mixed-file concerns require deletion The ongoing inaccurate and unverifiable reporting has caused financial harm including credit denials, higher interest rates, and obstacles in obtaining housing. 

I am requesting that the CFPB require : XXXX. A lawful reinvestigation under FCRA 611 for all disputed accounts. 
XXXX. That all furnishers supply full documentation, including original signed contracts, payment history, charge-off records, and proof of ownership or assignment. 
XXXX. That the XXXX XXXX XXXX  tradeline be deleted unless they produce verified proof that I opened the account, given that it was already flagged as potential fraud. 
XXXX. That XXXX XXXX, XXXX XXXX, and XXXX XXXX  be required to verify all information with documentation or have their tradelines removed. 
XXXX. That all inaccurate, inconsistent, duplicate, or unverifiable items be deleted from all three credit bureaus. 
XXXX. That mixed-file and identity-related issues be corrected immediately. 

I request full CFPB intervention to ensure that the bureaus and furnishers comply with FCRA Sections 602, 607 ( b ), 611, and 623.

Thank you for your assistance.

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