Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
CFPB Complaint Narrative Consumer Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX, XXXX Complaint Details : I am filing this complaint against Experian, XXXX XXXX  and the furnishersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXfor inaccurate, unverifiable, incomplete, and potentially outdated information reported on my Experian, XXXX XXXX XXXX credit XXXX ( all dated XX/XX/XXXX ). These errors violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., causing financial harm, including potential credit denials and increased borrowing costs. Despite my disputes with Experian and plans to dispute with XXXX  and XXXX, the inaccuracies persist. I request the CFPBs intervention to enforce federal consumer financial laws, correct my credit reports, and provide appropriate relief. 
Disputed Items and Violations XXXX XXXX XXXX XXXXXXXX Experian : Account # XXXX  ( incomplete ), closed, {$3900.00} balance, {$550.00} past due, XXXX late payments ( XXXX XXXX ), status Closed, {$550.00} past due as of XX/XX/XXXX. 
XXXX  : Account # XXXX, closed, {$3900.00} balance, {$550.00} past due, XXXX days past due ( XXXX XXXX ). 
TransUnion : Account # XXXX  ( incomplete ), closed, {$3900.00} balance, {$550.00} past due, 120 days past due ( XXXX XXXX ). 
Issues : Incomplete account numbers on Experian and XXXX  are unverifiable. Differing status descriptions ( Closed, {$550.00} past due vs. 120+ days past due vs. 120 days past due ) indicate inconsistent reporting. Late payments reported after the last payment ( XX/XX/XXXX ) are inaccurate. 
FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy due to incomplete account numbers and inconsistent statuses.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation to verify the accuracy of late payments and past-due balance.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable or inaccurate information post-reinvestigation.

15 U.S.C. 1681g ( a ) : Failure to provide clear and accurate disclosures due to incomplete account number reporting.

XXXX XXXX XXXX Experian : Account # XXXX, charged off, {$2700.00} past due, XXXX negative months ( XXXX XXXX ). 
XXXX  : Account # XXXX, charged off, {$2700.00} past due, XXXX negative months ( XXXX XXXX ). 
XXXX  : Account # XXXX, charged off, {$2700.00} past due, no payment history. 
Issues : Varying account number formats across bureaus suggest errors. XXXX lack of payment history vs. 7 negative months on Experian/XXXX  XXXX XXXX reporting. The charge-off status lacks verifiable documentation. 
FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure accuracy due to inconsistent account numbers and incomplete payment history.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reasonably reinvestigate the charge-off and past-due balance.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable charge-off information.

15 U.S.C. 1681g ( a ) : Failure to provide clear disclosures due to missing payment history on XXXX. 




XXXX XXXX Experian : Account # XXXX, charged off, {$5400.00} past due, XXXX negative months ( XXXX XXXX ), opened XX/XX/XXXX. 
XXXX  : Same account number, charged off, {$5400.00} past due, XXXX negative months ( XXXX XXXX ). 
XXXX  : Same account number, charged off, {$5400.00} past due, no payment history, opened XX/XX/XXXX. 
Issues : Differing negative months ( XXXX on Experian, XXXX on XXXX, none on XXXX  ) and missing payment history on XXXX  suggest inconsistent and incomplete reporting. The account may exceed the 7-year reporting limit ( FCRA 1681c ( a ) ( 4 ) ) from the estimated delinquency date ( XX/XX/XXXX, based on last payment XX/XX/XXXX ). 
FCRA Violations : 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting obsolete information if the delinquency began before XX/XX/XXXX. 
15 U.S.C. 1681e ( b ) : Failure to ensure accuracy due to inconsistent negative months and missing payment history.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reasonably reinvestigate the charge-off status.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable information.

15 U.S.C. 1681g ( a ) : Failure to provide clear disclosures due to incomplete reporting on XXXX. 




XXXX XXXX Experian : Account # XXXX, charged off, {$1100.00} past due, XXXX negative months ( XXXX XXXX ), credit limit {$19000.00}, prior dispute noted. 
XXXX  : Same account number, charged off, {$1100.00} past due, XXXX negative months ( XXXX XXXX ), no dispute comment. 
XXXX  : Same account number, charged off, {$1100.00} past due, no payment history, Dispute resolved reported by grantor. 
Issues : Differing negative months ( XXXX on Experian, XXXX on XXXX, none on XXXX  ) and inconsistent dispute comments indicate errors. The {$19000.00} credit limit is inconsistent with the {$1100.00} balance. Prior disputes ( Experian, XXXX  ) lack verification evidence. 
FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure accuracy due to inconsistent negative months and credit limit discrepancies.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reasonably reinvestigate the charge-off and dispute resolutions.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable information post-dispute.

15 U.S.C. 1681i ( a ) ( 2 ) : Failure to provide verification details ( e.g., furnishers contact information ) for prior disputes.

15 U.S.C. 1681g ( a ) : Failure to provide clear disclosures due to missing payment history on XXXX. 





Steps Taken : I have disputed these items with Experian and plan to dispute with Equifax and XXXX. The furnishers have not provided verifiable documentation, and the bureaus have failed to ensure accurate reporting or conduct reasonable reinvestigations, as required by the FCRA. Discrepancies across reports ( e.g., account numbers, payment histories, statuses, dispute comments ) demonstrate systemic non-compliance. 
Requested Resolution : I request that the CFPB : Investigate Experian, XXXX, XXXX, and the furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) for the listed FCRA violations. 
Compel permanent deletion of these inaccurate, unverifiable, incomplete, and potentially outdated items from my credit reports. 
Require furnishers to provide documented evidence if claiming accuracy, including verification details per 15 U.S.C. 1681i ( a ) ( 2 ).

Provide corrected credit reports and monetary relief for damages ( e.g., potential credit denials, higher interest rates ) under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Attachments : Experian credit report ( dated XX/XX/XXXX, highlighting disputed items ) XXXX  credit report ( dated XX/XX/XXXX, highlighting disputed items ) XXXX  credit report ( dated XX/XX/XXXX, highlighting disputed items ) Copy of drivers license or state ID Proof of address ( utility bill ) [ Any dispute letters or creditor correspondence, if available ] I consent to the CFPB sharing my complaint with the involved companies and, if applicable, publishing a redacted narrative in the Consumer Complaint Database. Please contact me at the address above for updates.

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