Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
I have disputed several inaccurate and unverifiable items on my credit reports on three separate occasions, and each time the credit bureaus have failed to conduct a reasonable investigation, instead returning a simple " verified '' notice without any proof or resolution. 

My first round of disputes was sent on or around XX/XX/XXXX. After receiving legally insufficient responses, I sent a second round of disputes on or around XX/XX/XXXX. I have now sent a third round on XX/XX/XXXX. Despite the clear, factual evidence I provided, all three bureaus continue to report damaging inaccuracies, demonstrating a systemic disregard for their statutory obligations. 

The primary issue concerns the account for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX. The information reported for this single account is factually impossible and contradictory across the credit bureaus. 

Equifax reports a Date of Last Payment of XX/XX/XXXX. Experian reports a Date of Last Payment of XX/XX/XXXX for the exact same account. It is impossible for both dates to be correct. This is a direct violation of FCRA Section 1681eb, which requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy. 

Furthermore, Equifax and Experian are misrepresenting the payment history by reporting continuous monthly charge-off notations long after the account was initially charged off. A charge-off is a one-time accounting event, not an ongoing monthly default. This practice of " backfilling '' payment history is misleading and violates Metro-2 reporting standards. 

TransUnion 's reporting for this same XXXX XXXX account contains a different error, stating there is " No payment history available to display. '' This directly contradicts the detailed ( though inaccurate ) payment histories reported by both Equifax and Experian, further proving that the information is unverified and inaccurate. 

For this charged-off account, I have repeatedly requested that the bureaus provide proof that the furnisher has complied with federal tax law by filing an IRS Form 1099-C, Cancellation of Debt, as required by IRC Section 6050P. None of the bureaus have been able to provide this documentation, which means they can not legally verify the status of the debt they are reporting. 

In addition, TransUnion continues to report a collection account from XXXX XXXX, Account Number XXXX. I have disputed this account because the furnisher has failed to provide validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). By continuing to report this unsubstantiated account, TransUnion is violating my rights. 

The bureaus ' conduct violates multiple sections of federal law : FCRA Section 611 is violated because the bureaus failed to conduct a reasonable investigation into my disputes. They simply accepted the furnisher 's response without addressing the specific, factual contradictions I pointed out.

FCRA Section 1681eb is violated because the continued reporting of contradictory dates and misleading payment histories demonstrates a failure to maintain procedures that ensure maximum possible accuracy. 

FCRA Section 623a1A is violated by the furnisher for reporting information that it knows or should know is inaccurate, and the credit bureaus have failed to hold them accountable.

FCRA Section 1681b is violated because there is no permissible purpose for reporting information that is known to be inaccurate and unverifiable. 

These persistent failures have negatively impacted my credit profile, causing me financial harm and significant stress. The bureaus ' refusal to correct these obvious errors despite my repeated, documented efforts constitutes willful non-compliance with the law.

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