Consumer complaint received 2025-08-28 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: IN

Complaint narrative:
As a documented victim of the Equifax Data Breach and the XXXX XXXX XXXX (XX/XX/XXXX Breach, I hold Equifax and all affiliated data furnishers to the highest standard of accuracy and verification under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Credit Reporting Resource Guide. The continued reporting of inaccurate, incomplete, and unverifiable accounts and inquiries is unlawful and violates 15 U.S.C. 1681e ( b ) ( requirement of maximum possible accuracy ), 1681i ( a ) ( duty to reinvestigate ), and 623 ( a ) ( 1 ) ( A ) ( prohibition against furnishing information known to be inaccurate ). 

The accounts and inquiries listed below contain reporting defects, inconsistent data fields, and missing verification required under XXXX XXXX standards. Because my personal identifiers were compromised in both the Equifax and XXXX breaches, the risk of file contamination, mixed files, and unverifiable reporting is significantly heightened. Continuing to publish these defective entries places me at direct and ongoing harm. 

I demand that you obtain original-source documentation for each disputed item, including signed agreements, complete payment histories, and documented proof of permissible purpose for every inquiry. If such evidence can not be produced in strict compliance with the FCRA and XXXX XXXX standards, then the disputed item must be immediately and permanently DELETED from my Equifax credit file, with a full cease of all future reporting. 

XXXX XXXXXX/XX/XXXXI am disputing the inaccurate late payment being reported on this XX/XX/XXXX auto loan. The account is open, active, and reporting as current with no past due balance, yet TransUnion still shows a 30-day late notation for XX/XX/XXXX. This is contradictory, misleading, and violates XXXX XXXX reporting requirements which prohibit simultaneous coding of an account as current and delinquent. Under the Fair Credit Reporting Act 15 U.S.C. 1681e ( b ) and 1681i, the credit bureaus are obligated to maintain maximum possible accuracy and to delete unverifiable or inconsistent information. There is no verifiable basis to show a delinquency on an account that is clearly reported as current with a {$0.00} past due amount. This false late payment mark is damaging my payment history factor and therefore my credit score, despite my timely payments. Because this late notation is inaccurate and can not be properly verified, I demand that the 30-day late payment remark for XX/XX/XXXX be permanently deleted. The account must be updated to reflect paid as agreed and current with no derogatory history. 

XXXX XXXXXX/XX/XXXX This account is reporting multiple late payments that are inaccurate and inconsistent with XXXX XXXX compliance. The account shows as open and current, yet past due notations are still being reported, which is contradictory and misleading. Under the Fair Credit Reporting Act 15 U.S.C. 1681e ( b ) and 1681i, you are required to ensure maximum possible accuracy and delete unverifiable or inconsistent data. Reporting a tradeline as current while at the same time attaching 30- and 60-day late notations is a direct violation of XXXX XXXX reporting standards which prohibit conflicting status codes. Because this reporting error continues to harm my credit standing and has not been corrected after prior disputes, I demand that all late payment remarks be permanently deleted from this account so that it reflects accurately as pays as agreed. 

XXXX XXXXXX/XX/XXXXI am disputing the inaccurate and misleading way this XX/XX/XXXXaccount is being reported. This loan has been closed and carries a XXXX balance, yet my credit file still shows severe late payments including a 90-day delinquency in XX/XX/XXXX. This is factually inconsistent. A closed account with no balance due can not at the same time be represented as delinquent or past due. By reporting this contradictory status, you are misrepresenting the history of the account and creating an unfair negative impact on my creditworthiness. XXXX XXXX compliance standards require that once an account is closed and paid in full, it must be coded with a final status that does not conflict with derogatory remarks. The presence of these lates after closure violates this reporting standard and creates a clear compliance error. Furthermore, under the Fair Credit Reporting Act 1681e ( b ) and 1681i, the credit reporting agencies are required to maintain maximum possible accuracy and to delete unverifiable or inconsistent data when it is brought to their attention. There is no basis for continuing to publish late payments on a debt that no longer exists. I have already fulfilled my obligation to this creditor. To continue to report derogatory marks after the account has been closed is both inaccurate and damaging. It is willful noncompliance that harms my credit standing and interferes with my ability to obtain fair credit opportunities. Because this information can not be verified in compliance with the FCRA and XXXX XXXX standards, I demand that all late payment history attached to this account be permanently deleted and that the account be updated to reflect paid as agreed with no derogatory remarks. 

XXXX XXXXXX/XX/XXXXI am disputing the XXXX XXXX account because it is being reported with contradictory and misleading information across the credit bureaus. Equifax and Experian both show this account as paid and settled with a XXXX balance, yet TransUnion continues to display it as a charge-off and derogatory account. An account can not legally be both settled and closed with no balance while at the same time being reported as an active charge-off. This inconsistency violates XXXX XXXX compliance, which requires uniformity in account status and balance fields across all bureaus. Under the Fair Credit Reporting Act 1681e ( b ) and 1681i, credit bureaus are required to maintain maximum possible accuracy and to delete any unverifiable or inconsistent data. The fact that the same creditor is reporting three different versions of this tradeline proves that the information can not be considered accurate. Because of these contradictions, this account continues to harm my credit standing unfairly and unlawfully. I demand that this XXXX tradeline be permanently deleted from my credit file. Correcting only one field will not resolve the underlying issue of conflicting reporting. Permanent deletion is the only action that restores accuracy and compliance with federal law. 

XXXX XXXXXX/XX/XXXX I am disputing this account because it is reporting in a contradictory and inaccurate way that violates XXXX XXXX compliance and the Fair Credit Reporting Act. The account shows as charged off with a XXXX balance, yet also coded as transferred or sold. If a debt is charged off and sold, the balance must report as XXXX and no continuing delinquency history should remain. Instead, this tradeline continues to reflect derogatory notations and past due coding that are inconsistent with its status. Equifax, Experian, and TransUnion are each displaying different remarks for this same account. One bureau reports it as charged off, another as purchased by another lender, and another as bad debt. These conflicting statuses prove the information is unreliable and unverifiable. Under 15 U.S.C. 1681e ( b ) and 1681i, the bureaus are required to maintain maximum possible accuracy and delete data that can not be verified consistently across sources. XXXX XXXX standards specifically prohibit conflicting fields such as charge-off while also showing the account as sold. This is a direct compliance failure. Because the information is contradictory, harmful, and not corrected after prior disputes, I demand that this account be permanently deleted from my credit file. 

XX/XX/XXXXI am disputing the way this XXXX XXXX account is being reported. The bureaus are showing this account as charged off with a past due balance of {$3700.00} and at the same time marking it as closed. This is a direct contradiction because a closed account can not simultaneously continue to report an unpaid past due balance. This reporting is inconsistent, misleading, and in violation of XXXX XXXX compliance standards which require consistency between account status, balance, and payment history fields. In addition, Experian has re-aged this account by updating the date of last activity forward into XXXX even though the account was charged off earlier. Under the Fair Credit Reporting Act 1681e ( b ) and 1681i, the bureaus must ensure maximum possible accuracy and delete unverifiable or re-aged data. Reporting false delinquency dates to keep an account active on a report longer than legally allowed is willful noncompliance and unlawful. Because the current reporting is factually impossible and harmful, I demand that this account be permanently deleted from my credit file. The tradeline can not be corrected because the contradictory status and re-aged dates demonstrate that the data is unreliable and unverifiable. Permanent deletion is the only resolution that restores accuracy and compliance with the law. 

XXXX XXXX XXXXXX/XX/XXXX I am disputing the XXXX XXXX account because it is reporting in an inaccurate and contradictory manner that directly violates XXXX XXXX compliance standards. The account shows a XXXX balance, coded as charged off, yet continues to reflect derogatory status and remains listed as negative. A tradeline can not be both charged off and at the same time show no balance due. This creates an impossible reporting condition and misleads anyone reviewing my credit file. Equifax is showing this account with comments stating charged off after resolution, yet the date of last payment is listed as XX/XX/XXXX with no ongoing balance. This means the account is closed and settled, but still coded as derogatory. This inconsistency makes the reporting unverifiable and harmful. Under the Fair Credit Reporting Act 1681e ( b ) and 1681i, the credit bureaus are required to ensure maximum possible accuracy and delete unverifiable or inconsistent data. By continuing to report this account as derogatory despite the XXXX balance, the bureau is failing to comply with federal law and XXXX XXXX reporting requirements. Because this information is contradictory, unverifiable, and has not been corrected after dispute, I demand that this XXXX XXXX account be permanently deleted from my credit file. 

XXXX XXXX XXXXXX/XX/XXXX I am disputing the XXXX XXXX account because the way it is being reported is inaccurate, inconsistent, and damaging. The bureaus are showing this account as charged off with a XXXX balance, while also continuing to display late payment history and derogatory coding. A charged off account with no balance can not continue to carry ongoing delinquencies. This creates contradictory and misleading data. Equifax and Experian are not even consistent with each other. One bureau reports the account with multiple 30-, 60-, and 90-day lates, while the other attaches different derogatory coding. This lack of uniformity proves the information is unreliable and can not be verified under the Fair Credit Reporting Act. XXXX XXXX compliance requires consistency between the account status, balance, and payment history fields, which this account clearly violates. Under 15 U.S.C. 1681e ( b ) and 1681i, the credit reporting agencies must ensure maximum possible accuracy and remove unverifiable or inconsistent data. Because this account is reporting contradictory information, and because the data has not been corrected after dispute, I demand that this account be permanently deleted from my credit file. 

Inquiries XXXX XXXX XXXX XX/XX/XXXX This inquiry was placed on my credit file without my knowledge or written authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a report when a valid permissible purpose exists. I never applied for credit with this company, nor did I provide consent for them to access my credit file. Because this inquiry was made without a permissible purpose, it is unauthorized and must be permanently removed. 

XX/XX/XXXXEquifax XX/XX/XXXX This inquiry was placed on my credit file without my knowledge or written authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a report when a valid permissible purpose exists. I never applied for credit with this company, nor did I provide consent for them to access my credit file. Because this inquiry was made without a permissible purpose, it is unauthorized and must be permanently removed. 

XXXX XXXX XX/XX/XXXX This inquiry was placed on my credit file without my knowledge or written authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a report when a valid permissible purpose exists. I never applied for credit with this company, nor did I provide consent for them to access my credit file. Because this inquiry was made without a permissible purpose, it is unauthorized and must be permanently removed.

You have 30 days from receipt of this dispute to correct my report and send me an updated copy showing the deletion of all unverifiable or inaccurate information. If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I will pursue all legal remedies under FCRA 1681n and 1681o.

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