Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint to place Experian, Experian Business, Equifax, Equifax Business and TransUnion on formal notice of inaccurate, mis-dated, and defamatory reporting related to a XXXX XXXX XXXX XXXX account that is still appearing on my personal and business credit files. 

I have been denied vendor accounts and funding based on derogatory business and personal credit data, and I've observed on-going score suppression and a XX/XX/year> update that appears linked to this account. ( Exhibit C ) The XXXX XXXX account in was charged off over XXXX years ago. I submitted multiple disputes requesting verification, account documentation, and clarification on whether a XXXX had been issued. XXXX XXXX has never responded. Their legal and/or collections departments have ignored every attempt at communication. ( Exhibit B ) Yet despite their silence, the account was updated in XXXX of this year, 2025 as past duea direct contradiction of its charged-off status and a clear misrepresentation ( Exhibit C ). 


In response to a prior CFPB complaint, XXXX XXXX confirmed : ( XXXX ) this was a business-use-only account, ( XXXX ) it was not eligible for a XXXX because it hasn't been a year ( inaccurate ) and ( XXXX ) they refused to provide account documents or validate the debt. ( Exhibit A ) For your reference, I am attaching the documented XXXX complaint, XXXX XXXXXXXX XXXX XXXX ( Case # XXXX ), and my formal ANSWER submitted in response to their legal complaint, all of which document the timeline, legal issues, and their ongoing refusal to validate the account or correct inaccurate reporting. ( Exhibits B & D ) XXXX XXXX 's behavior violates multiple consumer, tax, and business credit protection statutes, including : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information ; FCRA 611 / 1681i ( a ) Failing to conduct a reasonable reinvestigation ; FCRA 1681e ( b ) Failing to maintain accuracy and fairness ; TILA 1666b Potential misreporting based on absent or delayed periodic statements and proper notification ; IRC 6050P Failure to file a 1099-C following a charge-off ; Defamation Willfully allowing harmful and misleading credit entries to remain, damaging my business and personal reputation and funding potential. 

Notably, multiple third-party complaints have been filed with the Better Business Bureau XXXX XXXX XXXX XXXX XXXX XXXX refusal to respond to consumers in a timely or professional manner. 

In addition to their recent class action settlement for deceptive business practices, XXXX XXXX is currently under investigation by at least XXXX more firms for issues directly tied to XXXX XXXX account handling, including unfair collection practices and credit reporting misconduct. 

These investigations further underscore the broader pattern of deceptive business practices, misrepresentation, non-response, and reputational damage now extending to their external legal counsel all of which contribute to the harm reflected in my business credit profile today. 

Case law supports liability for CRAs that fail to remove unverifiable data or blindly rely on furnishers without conducting an honest and complete, independent reinvestigation. 

In XXXX v. TransUnion, the court ruled that a CRA must go beyond the original source when accuracy is disputed. Similarly, in XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX reliance on a furnisher is insufficient under FCRA. And in XXXX v. Equifax, the court held the CRA liable for failing to correct disputed, inaccurate data. 

These cases make clear : if Experian, Equifax, or TransUnion are reporting unverifiable information from XXXX XXXX, they are responsible for ensuring its deletion under FCRA 1681i ( a ) and 1681e ( b ).

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