Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
b'XXXX XXXX XXXX\n XXXX XXXX XXXX\nXXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX\n\n\nI am filing this complaint under the Fair Credit Reporting Act (FCRA) regarding multiple inaccurate, unverifiable, and potentially fraudulent items appearing on my credit reports from Equifax, TransUnion, and Experian. These negative items are damaging my credit score and ability to obtain fair credit terms.\n\n1. XXXX XXXX XXXX XXXX XXXX\n**Account Details:**\n- **Creditor:** XXXX XXXX XXXX\n- **Account Type:** Revolving Credit Card\n- **Reported Balance:** $XXXX\n- **Credit Limit:** $XXXX\n- **Status:** Charge-off\n- **Open Date:** XXXX XXXX\n- **Last Activity:** XXXX XXXX\n\n**FCRA VIOLATIONS & DISPUTES:**\n- **Inaccurate Information:** The account shows continuous 90+ day late payments from XXXX XXXX through XXXX XXXX but the last activity was XXXX XXXX - this is impossible and mathematically incorrect\n- **Unverifiable Debt:** The balance exceeds the credit limit by 33%, which violates the original credit terms\n- **Previous Dispute Noted:** Report shows "Consumer disputes this account information" but issues remain unresolved\n- **Violation of 15 U.S.C.  1681i(a)(5)(A):** Credit reporting agencies failed to conduct reasonable investigation\n\n### 2. XXXX XXXX XXXX ACCOUNT #XXXX\n**Account Details:**\n- **Creditor:** XXXX XXXX XXXX\n- **Account Type:** Revolving Credit Card\n- **Reported Balance:** $XXXX\n- **Credit Limit:** $XXXX\n- **Status:** Charge-off\n- **Open Date:** XXXX XXXX\n- **Last Activity:** XXXX XXXX\n\n**FCRA VIOLATIONS & DISPUTES:**\n- **Inaccurate Information:** Same impossible reporting pattern - shows 90+ day late payments through XXXX XXXX despite last activity in XXXX XXXX\n- **Balance Over Limit:** Balance exceeds credit limit by 62%\n- **Previous Dispute Noted:** Shows "Consumer disputes this account information" indicating ongoing unresolved dispute\n- **Potential Identity Theft:** Multiple impossible reporting dates suggest fraudulent activity\n\n### 3. XXXX  ACCOUNT #XXXX\n**Account Details:**\n- **Creditor:** XXXX XXXX\n- **Account Type:** Revolving Charge Account\n- **Status:** Paid Charge-off (Closed)\n- **Balance:** $XXXX\n- **Open Date:** XXXX XXXX\n- **Last Activity:** XXXX XXXX\n\n**FCRA VIOLATIONS & DISPUTES:**\n- **Outdated Information:** Shows 90+ day late payments through XXXX XXXX, but account was closed with XXXX balance\n- **Contradictory Status:** Listed as both "Paid charge off" and showing recent delinquencies\n- **Violation of 15 U.S.C.  1681c(a)(4):** Reporting inaccurate payment history on closed/paid account\n\n### 4. XXXX XXXX XXXX XXXX #XXXX\n**Account Details:**\n- **Collection Agency:** XXXX XXXX XXXX\n- **Original Balance:** $XXXX\n- **Current Balance:** $XXXX\n- **Date Assigned:** XXXX XXXX XXXX\n\n**FCRA VIOLATIONS & DISPUTES:**\n- **Lack of Verification:** No proof provided of original debt or chain of ownership\n- **Unverified Debt:** Cannot verify legitimacy of this collection account\n- **Violation of 15 U.S.C.  1681s-2(a)(5):** Reporting information without reasonable procedures to ensure accuracy\n\n---\n\n## PERSONAL INFORMATION ERRORS\n\n### NAME VARIATIONS REQUIRING CORRECTION:\n- **Incorrect Spellings:** "XXXX XXXX," "XXXX  XXXX," "XXXX  XXXX"\n- **Correct Name:** XXXX XXXX XXXX\n- **Violation of 15 U.S.C.  1681i(a)(5)(A):** Failure to maintain reasonable procedures for accuracy\n\n---\n\n## FCRA VIOLATIONS BY CREDIT REPORTING AGENCIES\n\n### 1. FAILURE TO INVESTIGATE DISPUTES\n**Violation of 15 U.S.C.  1681i(a)(1)(A):**\n- Credit reporting agencies failed to conduct reasonable investigations of previously disputed items\n- Items marked "Consumer disputes this account information" remain unresolved\n\n### 2. REPORTING INACCURATE INFORMATION\n**Violation of 15 U.S.C.  1681e(b):**\n- Reporting mathematically impossible payment histories\n- Maintaining accounts with balances exceeding credit limits without verification\n\n### 3. FAILURE TO FOLLOW REASONABLE PROCEDURES\n**Violation of 15 U.S.C.  1681e(a):**\n- Lack of reasonable procedures to ensure maximum possible accuracy\n- Continuing to report obviously erroneous information\n\n\nThis complaint is filed under:\n- **Fair Credit Reporting Act (FCRA):** 15 U.S.C.  1681 et seq.\n- **Consumer Financial Protection Act:** 12 U.S.C.  5481 et seq.'

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