Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
In XX/XX/year>, I disputed several inaccurate accounts on my credit reports with Equifax, Experian, and TransUnion. These items included old charge-offs, collection accounts, and duplicated accounts that did not match across bureaus and did not reflect correct balances, dates of last activity, or account statuses. I provided detailed information showing these accounts were inaccurate or unverifiable. 

Despite my dispute, all three credit bureaus simply marked these accounts as verified without explaining how they verified them. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), the bureaus are required to conduct a reasonable reinvestigation, and under 611 ( a ) ( 6 ) ( B ) they must provide the Method of Verification when requested. None of the bureaus provided this information.

At the same time, I sent formal Debt Validation Requests to the collection agencies reporting the accounts. These agencies did not respond with any validation or documentation. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), a debt collector must stop reporting and collecting until they validate the debt. However, the bureaus continued publishing these accounts even though they were never validated. 

As of XX/XX/year>, these accounts are still reporting with the same inaccurate, unverified, and inconsistent information. Some were even updated with new last reported dates despite no validation being provided and no corrections being made. This violates FCRA 607 ( b ) ( maximum possible accuracy ) and 623 ( a ) ( 1 ) ( A ) ( furnishers may not report information that is inaccurate or can not be verified ).

The following accounts remain inaccurately reported and require immediate reinvestigation ( all account numbers redacted for security ) : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts contain multiple inaccuracies, including wrong dates of last activity, wrong balances, incorrect status codes, outdated dispute flags, and reporting that does not match the furnisher 's other bureau entries, violating FCRA 607 ( b ) ( Maximum Possible Accuracy ).

All three bureaus also failed to delete unverifiable items as required by FCRA 611 ( a ) ( 5 ).

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