Consumer complaint received 2025-08-26 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: NV

Complaint narrative:
I am writing to request the deletion of inaccurate, fraudulent, duplicate, re-inserted accounts and late payments present on my consumer credit reports and to bring to your attention the failure of TRANSUNION, EXPERIAN, and EQUIFAX to rectify the inaccuracies in my credit report, and provide the necessary proof of debt validation within the stipulated time frame of 30 days to ensure compliance with the FCRA. TRANSUNION, EXPERIAN, and EQUIFAX claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurately. However, these accounts are still inaccurate, and the credit bureaus are continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

The information on a consumer 's credit report should be consistent across all three bureaus, as creditors and lenders may use any of the three to check a consumer 's credit history, and therefore, by law, I'm demanding the deletion of these accounts on my credit report immediately. 

I formally request that TRANSUNION, EXPERIAN, and EQUIFAX remove the disputed accounts, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and inaccurate late payments reported by XXXXXXXX XXXX XXXX XXXX XXXX from my credit report, as per the provisions of the FCRA. The failure of these companies to validate the debt and rectify the inaccuracies within the statutory timeframe signifies their non-compliance with federal regulations and warrants the removal of the disputed accounts. 

The consumer report that was prepared under my social security number by TRANSUNION, EXPERIAN, and EQUIFAX is reporting inaccurate information, which is a violation of the Fair Credit Reporting Act. 

I have identified specific inaccuracies below from my TRANSUNION, EXPERIAN, and EQUIFAX Consumer Report that must be removed. 

Please DELETE the following fraudulent accounts for inaccuracy and FCRA violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TRANSUNION ) Inconsistent Bureau Reporting : Deleted from Experian & Equifax, only showing on TransUnion. 
Balance vs. Status Conflict : Reports as Closed / Charged Off, but still shows a {$19000.00} balance. A closed/charged-off account should either show {$0.00} or transferred. 
Re-Aging of Account : Date Opened : XX/XX/XXXX Last Activity / Reported : XX/XX/XXXX That XXXX last activity makes it appear newer than it really is, extending its life on your report ( illegal under FCRA ). 
Missing Payment History : TransUnion shows None Reported incomplete reporting, another violation. 
Wrong Account Type : Labeled Finance, personal instead of Auto Loan XXXX XXXX = subprime auto finance lender ). 
Dispute Status : Shows Account not disputed, even though you have disputed with the other bureaus. Thats misleading and inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX ( TRANSUNION + EXPERIAN ) ) Inconsistent Reporting : Deleted or not showing on other bureaus, but still reporting on TransUnion. 
Balance Reporting : Shows {$540.00} owed with no updates if payments were made or a settlement reached, that balance is wrong. 
Date of Last Activity : Reported as XX/XX/XXXX ( too recent ) possible re-aging to keep it alive on report. 
Original Creditor Confusion : TU lists : XXXX XXXX XXXX ( unclear ). 
XXXX XXXX XXXX XXXX  but with added codes ( XXXX ). 
Inconsistent formatting = inaccurate. 
Account Status Language : TU just says Collection Services, but XXXX says Seriously past due/ assigned to attorney. TransUnion is not reporting full/consistent info. 
Validation Requirement : Under FDCPA, a collection agency must provide proof of a debt agreement from the original creditor. If they havent, its unverifiable. 









Please DELETE the following fraudulent accounts for inaccuracy and FCRA violations. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( TU + XXXX XXXX XXXXXXXX XXXX 30 Days XXXX XXXX 30 Days XXXX XXXX  60 Days XXXX XXXX  30 Days XXXX XXXX 30 Days Improper 60-Day Late Reporting ( XX/XX/XXXX ) Reports 30 Days Late in XX/XX/XXXX and then 60 Days Late in XX/XX/XXXX, but XX/XX/XXXX is not consistently reported across bureaus. 
A 60-day late requires two consecutive billing cycles unpaid the reporting sequence does not line up, making the XXXX XXXX 60 Days Late inaccurate. 
Duplicate / Overlapping Late Payments Reports 30 Days Late in XX/XX/XXXX and XX/XX/XXXX, but these months are separated by long stretches of OK status. 
This creates a pattern that doesnt align with the actual payment cycle it appears to be duplicate or recycled lates inserted into the file. 
Contradictory Status Across Bureaus TransUnion and Experian both show lates, but the timing and severity ( 30 vs. 60 days ) do not always match exactly. 
If a delinquency is real, it must be reported consistently across all three bureaus. This inconsistency proves unverifiable reporting. 
Payment Status Conflict Account is currently listed as Open/ Pays as Agreed, but still reflects repeated late payments over multiple years. 
A creditor can not report an account as Pays as Agreed and Delinquent for the same time frame this is contradictory reporting. 
Missing Past-Due Amount Disclosure For every reported late, the bureaus show a minimum payment ( e.g., {$27.00} ) but no record of the actual past-due balance that caused the delinquency. 
Without a documented past-due amount, each late is unsubstantiated. 
Pattern of Re-Aging to Keep Account Negative The lates span XXXX XXXX, but the account is still marked Pays as Agreed and active. 
Repeated fresh lates are often a sign of re-aging, which illegally extends derogatory reporting beyond the allowed 7-year window. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TU + XXXX XXXX XXXX  ) XXXX XXXX 30 Days XXXX XXXX  30 Days Improper Late Payment Sequence Reports OK in XXXX XXXX  30 Days Late in XX/XX/XXXX OK in XX/XX/XXXX. 
A true 30-day late requires a full billing cycle of non-payment, which would normally show two consecutive months of delinquency. This reporting sequence is inconsistent and inaccurate.

Contradictory Status Account is listed as Pays account as agreed while also reporting a 30-day late for the same period.

A consumer can not be both current and delinquent at the same time this is conflicting data. 
Inconsistent Bureau Reporting Experian describes the account as Current, was past due 30 days.

TransUnion and Equifax report it only as Pays as agreed.

These inconsistencies show that the late payment is not being verified or reported uniformly. 
Missing Past-Due Amount Disclosure The report lists a {$45.00} payment but does not state the past-due amount that led to the alleged late status.

Without clear reporting of the delinquency amount, the late payment entry is incomplete and unverifiable. 
Questionable Early Delinquency The account was opened in XX/XX/XXXX and reported as delinquent just one month later in XX/XX/XXXX. 
This is highly unusual and often indicates reporting errors when new accounts first sync with the credit bureaus. 

No consent is Identity Theft, and I have attached evidence that these consumer reporting agencies are in violation. I filed an ID Theft report with the FTC to investigate my accounts and remove the inaccurate information. I kindly request your prompt attention to this matter and the necessary action to remove these inaccurate and fraudulent accounts from my credit report. Thank you for your prompt assistance in resolving this matter. 
Sincerely, XXXX XXXX

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