Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am formally disputing multiple derogatory accounts currently being reported on my credit profile. After a thorough audit, Ive found serious factual inaccuracies, consumer law violations, and XXXX XXXX compliance failures related to the accounts listed below. 
These reporting violations violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX data reporting standards. Per federal law, I request that these accounts be fully validated, corrected, or permanently deleted from my credit file. 

Factual Disputes Errors and Inconsistencies XXXX. XXXX XXXX ( XXXX XXXX Multiple Accounts ) Acct # XXXX : XXXX * * and XXXX * * * * * * Both accounts report the same open date ( XX/XX/XXXX ) and are XXXX  days late, despite showing active payments as recent as XX/XX/XXXX. 
The past due amounts are inconsistent with payment history which reflects ongoing activity. 
Duplicate entries with same creditor, nearly identical account numbers, and the same reporting periods this appears to be account splitting, which is misleading. 

Request : Verify the accuracy of the balances and payment history, remove any duplicate or re-aged reporting, and delete unverifiable entries. 

XXXX. XXXX Acct # : XXXX * * ( XXXX Entries ) * * This account appears XXXX times under the same account number with different high credit values ( {$0.00}, {$1200.00}, {$1200.00} ). 
Also reports a {$0.00} balance, but is marked as a charge-off contradiction. 
One entry says purchased by another lender, yet its still reporting under the original creditor name with derogatory status. 

Request : Remove all but one verified version of this account. Correct or delete entries with conflicting values, and remove if ownership has transferred and reporting continues under the wrong furnisher. 

XXXX. XXXX XXXXXXXX XXXX Acct # : XXXX * * ( XXXX Entries ) * * Account is triplicated with inconsistent balances : {$22000.00}, {$21000.00}, {$22000.00}. 

High credit inconsistently reported as {$19000.00} and {$16000.00}, with different dates of last payment. 
Account is reported as " resolved dispute '' but still shows collection/charge-off with no clear resolution notes. 

Request : Delete duplicate entries, correct all inconsistent data, and remove unverifiable or misleading versions. Provide proof of dispute resolution if you continue reporting the derogatory status. 

Consumer Law Violations ( FCRA + FDCPA ) All of the above accounts violate : FCRA 1681e ( b ) : Failure to maintain accurate and complete reporting. 
FCRA 1681s-2 ( b ) : Furnishers are required to correct, update, or delete incomplete or unverifiable information. 
FCRA 611 ( a ) ( 5 ) ( A ) : Dispute resolutions must be accurately updated not falsely marked or left in contradictory statuses. 
FDCPA 807 : Debt collection misrepresentation through inaccurate data. 

XXXX XXXX Compliance Failures Duplicate tradelines under same account numbers and furnishers. 
Credit limits listed as {$0.00} with high balances reported skews utilization metrics, in violation of industry standards. 
Account statuses marked as Open while also reporting XXXX lates or charge-offs these contradict XXXX XXXX field logic XXXX 
Misaligned payment buckets ( late payments outside of account activity windows ). 

Action Demanded : I demand the following in accordance with my rights : XXXX. Conduct a complete reinvestigation with each data furnisher. 
XXXX. Provide detailed results, including method and documentation used for verification. 
XXXX. Permanently delete any duplicate, unverifiable, inaccurate, or non-compliant data. 
XXXX. Supply me with an updated and corrected copy of my credit report.

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