Consumer complaint received 2025-07-05 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax, TransUnion, and Experian for Unverifiable, Inaccurate, Outdated, and Incomplete Credit Reporting To Whom It May Concern, I am writing to formally lodge a complaint against all three major credit reporting agenciesEquifax, TransUnion, and Experianfor failing to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by reporting unverifiable, inaccurate, outdated, and incomplete information on my credit file. 

Despite my previous attempts to address these inaccuracies directly with the credit bureaus, they have failed to perform a reasonable investigation and have continued to report erroneous derogatory information that does not meet the legal reporting standards outlined under federal law. 

Specifically, these violations include but are not limited to : Unverifiable Data : Items listed on my report that can not be substantiated by the original creditor or verified within the timeframe mandated by the FCRA. 
Inaccurate Reporting : Multiple accounts reflect inconsistent and conflicting data across bureaus. This includes incorrect late payment notations and balances that are not substantiated by billing records. 
Outdated Entries : Some negative items have surpassed the FCRAs XXXX reporting limit yet are still being shown. 
Incomplete Reporting : Certain accounts lack required contextual details such as current status, payment history breakdown, and accurate closure information, which misrepresents my creditworthiness.

Under 15 U.S.C. 1681i ( a ), the credit bureaus are legally obligated to conduct a reasonable investigation and remove or correct information that can not be verified. Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in their reports. Continued failure to meet these requirements is a violation of federal law and causes irreparable harm to my credit profile, financial reputation, and economic opportunities. 

Accordingly, I am requesting that the CFPB initiate a formal investigation into Equifax, TransUnion, and Experian for their persistent noncompliance and failure to fulfill their statutory obligations. I am also demanding the permanent deletion of all unverifiable, inaccurate, outdated, and incomplete items from my credit file to avoid further legal escalation. 

Please confirm receipt of this complaint and advise on the steps that will be taken to ensure my rights as a consumer are protected under federal law. I am prepared to submit supporting documentation as needed to aid your review. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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