Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : [ XXXX ] ( XXXX : XXXX ) Phone : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX CFPB Complaint : Request for Full Removal of All Inaccurate, Outdated, or Inconsistent Accounts XXXX XXXX XXXX XXXX Nature of Complaint XXXX XXXX XXXX  I am filing a formal dispute against Experian, TransUnion, and Equifax due to multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : incorrect statuses, unverified debts, identity theft implications, outdated derogatory marks, re-aging of accounts, and inconsistent reporting between bureaus. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS TO BE REMOVED IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off, re-aged, and previously disputed. No payments since XXXX. 
XXXX XXXX XXXX  Child Support Enforcement ( XXXX XXXX XXXX XXXX XXXX XXXX Paid and closed, yet marked " Potentially Negative. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Paid and closed, but falsely labeled with late payment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shows late payments and unclear balance history. 
XXXX XXXX XXXX  Collections : XXXX XXXX Not listed here but appear on other reports, showing Experian does not validate. 

XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off still reported with \ {$6600.00} balance, conflicting with others. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \ {$230.00} collection not reported on Experian. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid and closed, yet reflects 30/60-day lates. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent balance and status compared to XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accurately reported here, but not reflected equally on Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ XXXX XXXX XXXX XXXX XXXX \ {$1300.00} collection reported in XXXX tied to a XXXX debt. Identity theft was flagged on this bureau, and account should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lists not more than 3 payments late without payment history. Conflicts with TU/Experian. 
XXXX XXXX XXXX Dept of Ed XXXXXXXX XXXX XXXX XXXX Accurately deferred. Not in dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDITIONAL ISSUES AND VIOLATIONS XXXX XXXX XXXX XXXX XXXX Fraud/ID Theft Flag : * * Equifax contains XXXX statement noting past fraud and identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Charge-off on TU, resolved on EQ/EX. 
XXXX XXXXXXXX : TU only. 
XXXX XXXXXXXX XXXX : EQ only. 
XXXX Child Support : Negative on EX, clean on TU. 
XXXX XXXX XXXXXXXX : Paid, but each bureau reports different lates or durations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Resolution : XXXX XXXX  I am requesting the XXXX XXXX full and immediate deletion XXXX XXXX of all accounts listed above from all three credit bureaus due to : 1. Lack of verification per FCRA 611 and 623.

2. Re-aging and ongoing damage from obsolete or false data.

3. Identity theft involvement and fraud alert already in place.

4. Conflicting information between bureaus showing lack of accuracy and consistency. 

XXXX XXXX XXXX XXXX  I certify that all statements above are true and supported by my records. XXXX XXXX  Respectfully, XXXX XXXX XXXX XXXX XXXX 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