Consumer complaint received 2025-10-17 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX AFFIDAVIT OF DISPUTE I am submitting this formal AFFIDAVIT OF DISPUTE because Experian is reporting false, misleading, and unverifiable information on my consumer file. These inaccuracies are damaging my reputation and ability to obtain credit. 
Experian is legally obligated under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards to ensure my file is accurate and to delete unverifiable data. This includes removal of false personal identifiers and any accounts that show inconsistent or conflicting data across the credit bureaus. 

XXXX ) NAMES & ADDRESSES TO REMOVE Correct legal name : XXXX XXXX Primary address : XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX The following false names and addresses must be deleted : Variations such as XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Incorrect addresses appearing on my file ( must be deleted ) : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX ( listed with incorrect variations ) Any XXXX, NY addresses linked to my file Reporting false identifiers violates 15 U.S.C. 1681e ( b ).

2 ) DISPUTED ACCOUNTS WITH INACCURACIES XXXX XXXX Collection {$2300.00} This account is being reported with different account numbers, open dates, update dates, and delinquency timelines across the three credit bureaus, making the information inconsistent and unverifiable. 
Experian : XXXX Equifax : * XXXX TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX These differences prove that the tradeline is not identical between bureaus and therefore violates FCRA 1681e ( b ) ( accuracy ) and XXXX XXXX data consistency standards. This is also evidence of poor data-matching, not validation. 
Furthermore, Experian, XXXX XXXX XXXX each display different Dates of First Delinquency ( DOFD ) and last updated dates, proving this account can not be verified under FCRA XXXX ( XXXX U.S.C. 
XXXX ). 
I demand full validation under XXXX, including the wet-ink signature contract, itemized account statements, and a chain of assignment confirming legal ownership of the debt. If this can not be provided, the account must be immediately deleted under FCRA XXXX ( a ) ( XXXX ) ( A ). 

* XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} Account No : XXXX This account is being reported as a charge-off, not a repossession. It appears across all three credit bureaus with different balances, dates, and statuses, which makes the reporting materially false. 
Experian lists a balance of {$7200.00} with a XXXX in 2018 ; Equifax reports a different charge-off amount and last payment date ; and TransUnion reports XXXX different update date and balance date. 
These conflicting figures violate FCRA XXXX ( b ) ( accuracy ) and XXXX ( a ) ( XXXX ) ( accurate DOFD reporting ). The presence of multiple conflicting records constitutes re-aging and unverifiable data. 
If the furnisher can not provide the original wet-ink signature contract, payment history, and full ownership documentation, the account must be deleted under XXXX ( a ) ( XXXX ) ( A ). 

XXXX ) LEGAL GROUNDS XXXX XXXX. XXXX ( b ) : Credit bureaus must ensure maximum possible accuracy. Conflicting data, balances, and identifiers violate this requirement. 
XXXX XXXX. XXXX ( FCRA XXXX ) : Requires reasonable reinvestigation within 30 days. XXXX verifications without evidence are unlawful. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) : Unverifiable information must be promptly deleted. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Furnishers must report the true Date of First Delinquency ; re-aging is prohibited. 
XXXX XXXX. XXXX : XXXX must validate debts upon request and provide documentation before reporting or collecting. 
XXXX XXXX Compliance : Requires uniform data across bureaus ; inconsistencies make the tradeline noncompliant and unreliable. 

XXXX ) DEMANDS XXXX. Delete all false names and addresses listed above. 
XXXX. Provide full verification of each disputed account, including original wet-ink signature contracts, billing statements, and assignment agreements proving ownership. 
XXXX. Delete any unverifiable or inconsistent accounts immediately. 
XXXX. Provide a corrected copy of my Experian credit report. 
XXXX. Notify all parties who received inaccurate reports in the last XXXX months of any corrections or deletions. 

AFFIDAVIT I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct.

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