Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
Subject : Formal Complaint Inaccurate XXXX  XXXX Reporting Across All Bureaus / FCRA Violations To Whom It May Concern at the Consumer Financial Protection Bureau : I am submitting this formal complaint against the credit bureaus TransUnion, Experian, and Equifax for reporting inaccurate and damaging information related to two XXXX  XXXX accounts on my credit file. The reporting of these accounts contains significant inconsistencies and violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Affected Accounts and Discrepancies : 1. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX Reported by : TransUnion, Experian, Equifax Closed : XX/XX/XXXXXXXX  Balance Reported : {$470.00} ( TransUnion & Equifax ), {$0.00} ( Experian ) Charge-off Date Mismatch : Equifax shows XX/XX/XXXXXXXX  ; Experian and TransUnion show XX/XX/XXXX Payment History Conflicts : Experian shows charge-off in XXXX XXXX, but TransUnion and Equifax show none reported XXXX 

2. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} * * Reported by : TransUnion, Experian, Equifax Closed : XX/XX/XXXX Balance Reported : {$1600.00} ( TransUnion & Equifax ), {$0.00} ( Experian ) Credit Limit Error : Experian & TransUnion show {$1300.00}, Equifax shows {$0.00} Payment History Conflicts : Experian shows late marks ; TransUnion has none reported; Equifax shows 6 months of late marks Date Opened : Equifax reports XX/XX/XXXX while others vary Applicable FCRA Violations : Section 609 ( a ) ( 1 ) ( A ) : Credit bureaus must verify disputed information with original documentation. No such documentation was provided to me.

Section 611 : I exercised my right to dispute the accounts and requested investigation, but no resolution or correction has occurred.

Section 623 ( a ) ( 5 ) : The information remains unverifiable. The bureaus continue reporting conflicting balances, dates, and statuses.

Section 1681e ( b ) : The bureaus have failed to ensure maximum possible accuracy. The data between TransUnion, Experian, and Equifax is inconsistent, incomplete, and misleading.

Section 1681i : After more than 30 days from my dispute submission, the bureaus have neither corrected nor deleted the inaccurate data. 

Section 1681s-2 : Furnishers ( XXXX  XXXX ) are required to investigate and correct inaccurate information when notified of a dispute, which has not occurred. 

Supporting Documents : Credit report screenshots showing XXXX  XXXX inconsistencies Prior dispute communications ( available upon request ) Requested Resolution : Immediate investigation by the CFPB into the reporting of both XXXX  XXXX accounts. 

Deletion or full correction of all inaccurate and unverifiable XXXX XXXX data. 

Assurance that all credit reporting procedures by the bureaus meet federal standards of accuracy. 

Enforcement of penalties or sanctions for ongoing noncompliance under the FCRA. 

This ongoing situation is negatively affecting my credit score, financial opportunities, and personal well-being. I urge your office to act swiftly to protect my rights. 

Thank you for your attention.

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