Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
Experians claim that I am in litigation is entirely false ; no such litigation exists, and this misrepresentation appears to be an intentional attempt to avoid addressing the inaccurate and unverifiable information in my credit report.

Dear Consumer Financial Protection Bureau, I am writing in response to Experians recent claim in my complaint that I am in litigation regarding the items in dispute. This statement is completely false. I am not, and have never been, involved in any litigation regarding these accounts or any matter related to my credit reports.

By making this false claim, Experian has attempted to avoid responding to the substance of my complaint, which is that they are reporting inaccurate, unverifiable, and contradictory information in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

I have provided Experian with : Multiple disputes for the same items.

Screenshots from my credit reports showing conflicting and inaccurate data.

Proof that some accounts were forgiven with 1099-C forms, yet are still reported as charged-off with past due balances.

Documentation showing contradictory reporting between Experian, XXXX, and XXXX  for the same months. 

Experian has failed to verify the disputed items and has continued to report them without correction, contrary to the requirements of the FCRA. Under federal law, if information can not be verified or maintained accurately, it must be deleted.

I respectfully request the CFPB to : Require Experian to provide documentary proof of their claim that I am in litigation or acknowledge that no such litigation exists.

Reopen and enforce my original complaint, ensuring that Experian, XXXX, and XXXX  either verify with proper documentation or delete the disputed items.

Require the credit bureaus to correct my name and address information, which has been documented as incorrect.

The false litigation claim appears to be an attempt to avoid compliance with federal law and to evade the CFPBs oversight. I ask for the CFPBs immediate intervention to ensure these violations are addressed and the inaccurate items are deleted without further delay.

again here are the items I wish to be deleted and removed. 
XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  is being reported as charged off with a past due balance of {$930.00} by Experian, XXXX, and XXXX. How can a charge-off still carry a past due amount? This is clearly contradictory and inaccurate. How can this be reported as if it is accurate when I have provided proof directly from my credit reports showing this inconsistency? XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  is listed as a charge-off with a remaining balance of {$4000.00}. Once an account is charged off, how can it continue to report a balance in this way? Where is the verification that this reporting is correct? Why is this still appearing as accurate when my consumer reports clearly show this contradiction? XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX is being reported as charged off with a balance of {$810.00}. I have already disputed this item and received no documentation validating it. How can this continue to be reported without proper verification? What procedures are being followed to justify this? XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX was forgiven, and I received a 1099-C, meaning the debt was canceled. Yet in XX/XX/year>, Experian shows the account as current while XXXX  reports it as 30 days late. Then in XX/XX/year>, Experian shows the account as charged off while XXXX  reports it as on time. How can two national credit bureaus report opposite information for the same month? How can this be accepted as accurate when the contradiction is clearly documented on my reports? XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX was also canceled and a 1099-C was issued, but the account is still being reported as charged off with a past due balance of {$2200.00}. How can this be justified after the debt was written off and reported to the IRS? Why is this account still showing a past due balance when there is no legal obligation remaining? XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX is being reported as a charge-off with a balance of {$9700.00}. Even more concerning, each bureau reports a different date of last activity. How can three different versions of the same account all be considered accurate? What standard of accuracy or consistency is being used to validate this information? 


Thank you for your attention to this matter and for ensuring the accuracy, fairness, and legality of consumer credit reporting. 

Sincerely, XXXX XXXX XXXX XXXX.

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