Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX for inaccurate and incomplete credit reporting, which has negatively impacted my credit score. Despite my efforts to resolve this matter directly with the company, I have received inadequate responses, and my concerns have not been properly addressed. 
I have been closely monitoring my credit report and noticed discrepancies regarding an account under XXXX  ( Account Number : XXXX ). Specifically, I found that Equifax reported the Last Payment Date as XX/XX/year>, while TransUnion reported it as XX/XX/year>. This inconsistency is significant and raises concerns about the accuracy of the information being reported. 
Additionally, no IRS XXXX XXXX has been issued for this account, suggesting that the debt has not been forgiven, and there is no indication of legitimate collection efforts or cancellation. According to XXXX U.S. Code XXXX, creditors are required to issue a XXXX when they cancel or forgive debt of {$600.00} or more. The absence of this form further suggests that XXXX has not properly handled the account and may be misreporting the status. 
In response to these discrepancies, I initiated a dispute, citing my rights under the Fair Credit Reporting Act ( FCRA ), particularly FCRA XXXX ( XXXX U.S. Code XXXX ) regarding disclosures to consumers, and FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates accurate reporting. I also requested clarification on the absence of the XXXX and sought an explanation for the varying Last Payment Dates between the bureaus. Furthermore, I suggested that the account may have been misreported due to a name or address mix-up, which is reflected in my FTC report XXXX 
I sent a well-documented letter to XXXX, expecting a thorough review and response. However, my attempt to resolve the issue with XXXX resulted in frustration. I called the company and navigated through an automated system for an extended period. When I finally spoke with a representative, the response was dismissive and unhelpful. The representative assured me that the issue would be looked into but failed to provide any concrete information or timeline for resolution. 
In addition to the inadequate phone conversation, I received a letter from XXXX that was nearly identical to the vague assurances I received during the call. The letter acknowledged my dispute but failed to address the core issues : the inconsistent payment dates, the missing XXXX, and the possibility of an identity mix-up. There was no indication that XXXX had taken my dispute seriously or had made any effort to investigate the matter thoroughly. 
Despite my clear and well-reasoned dispute, XXXX has failed to adequately address my concerns. This experience has left me feeling frustrated and disillusioned. The inaccurate and incomplete reporting continues to negatively affect my credit, and I am left with no clear resolution in sight.

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