Consumer complaint received 2025-12-18 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: MS

Complaint narrative:
COMPANY DID NOT DELETE ITEMS AFER I DISPUTED THEM USING FACUAL DISPUTES. THE ACCOUNTS ARE SHOWING DIFFRENT INFORMATION BETWEEN ALL 3 CRAs. This is a violation of the FCRA. I DEMAND IMMEDIATE DELETION OF THESE ACCOUNTS UNDER THIS LAW BECAUSE THEY ARE REPORTING INACCURATELY.

Subject : Formal FCRA Dispute Inaccurate Accounts Must Be Deleted To your company, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts contain material inaccuracies and violate your duty to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). They must be deleted unless fully verified with original source, not automated e-Oscar responses.

XXXX XXXX XXXX XXXX Reported as a collection for XXXX XXXX with a balance of {$630.00}. Dates, balances, and ownership are inconsistent with XXXX XXXX records. Violates 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ). Dates of last activity are different between Equifax, Transunion and Experian. 

XXXX XXXX XXXX Reported collection ( {$740.00} ) for XXXX XXXX XXXX. Violates 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). Dates of last activity are different between Equifax, Transunion, and Experian. 

XXXX Reported collection ( {$200.00} ) for XXXX XXXX XXXX. Balance, account type, and creditor info are incorrect. Violates 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). Dates of last activity are different between, Experian, Equifax, and Transunion. 

XXXX XXXXXXXX XXXX. 
Reported collection ( {$1400.00} ) for XXXX XXXX XXXX. Different dates of last activity between Transunion, Equifax, and Experian Violates 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX shows Sold/Charged-off while balance is {$0.00} with conflicting dates. Violates 1681e ( b ). Account is reporting different dates of last activity between Equifax, Experian, and Transunion. 

XXXX XXXX Reported as both collection and closed with a past-due balance of {$340.00}. Conflicting statuses are misleading. Violates 1681e ( b ) and 1681i ( a ) ( 2 ) ( B ). SHOWING DIFFERENT DATES OF LAST ACTIVITY BETWEEN, EQUIFAX, TRANSUNION AND EXPERIAN. 

XXXX XXXX XXXX Reported charge-off ( {$3300.00} ) with inconsistent balances, payment history, and dates. Violates 1681s-2 ( a ) ( 1 ) ( B ) and 1681e ( b ). SHOWING DIFFERENT DATES OF LAST ACTIVITY BETWEEN, EQUIFAX, EXPERIAN, AND TRANSUNION. 

XXXX XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX  ) Balance history fluctuates between {$9000.00} and {$2200.00}, which is materially inaccurate. Violates 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ). SHOWING DIFFERENT DATES OF LAST ACTIVITY BETWEEN EQUIFAX, XXXX, AND TRANSUNION. 

Under the FCRA, you are obligated to : - Conduct a reasonable reinvestigation ( 1681i ( a ) ( 1 ) ( A ) ) - Delete inaccurate, incomplete, or unverifiable information ( 1681i ( a ) ( 5 ) ( A ) ) - Assure maximum possible accuracy in all reporting ( 1681e ( b ) ) Failure to comply exposes TransUnion, Equifax, and Experian to civil liability under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

I demand deletion of the above accounts. Please send me an updated credit report reflecting the deletions

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