Consumer complaint received 2025-05-15 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: WA

Complaint narrative:
Official Statement Regarding Inaccurate Information in My Experian Credit Report and Request for Immediate Removal Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this statement to report several serious inaccuracies and possible intentional distortions in my credit report issued by Experian. These include factual errors and misrepresentations in the balances and payment histories of my active accounts, as well as false information associated with closed accounts. My credit history requires urgent review and the removal of all incorrect records.

A. Active Accounts : 1a. XXXX : The Payment History section for my XXXX credit card shows XXXX payments throughout the accounts history, falsely indicating that no payments were made. This is incorrect. I made monthly payments not the minimum, but often the full balance. For example, if the balance was {$1000.00}, I paid {$1000.00} ; if it was {$500.00}, I paid {$500.00}. The balance amounts listed in the report are also inaccurate and significantly understated. In almost every month, I paid in full. Accurate reporting of this payment activity would significantly improve my credit score. I contacted XXXX, and they confirmed that accurate data regarding balances and payments was reported each month. Therefore, the inaccurate information in the Experian report is not the fault of XXXX. It is either a technical error on XXXX part or potentially a result of intentional manipulation. Due to such distortions, my credit score dropped by 51 points in a single day, which is unacceptable. If this was done deliberately, a formal investigation is warranted. I request that this matter be reviewed immediately and that all related inaccuracies be corrected.

2aXXXX XXXX  : The report also contains distorted information information regarding the XXXX account. In many months, incorrect balances and payment amounts are reported, despite the fact that I regularly paid off the account often down to a XXXX balance. Both the balance and monthly payments are understated in several entries. I request a full review of this accounts history, including all balance and payment data, and the necessary corrections be made, which would also positively impact my credit score.

B. Closed Accounts : My credit report includes several closed accounts that contain significant inaccuracies. These accounts include credit cards that I never used, never received statements for, and which are entirely unsubstantiated. These entries must be thoroughly reviewed and immediately removed from my credit history. 
1b. XXXX ( formerly XXXX ) : Experians report contains false and fabricated data regarding a XXXX account. According to Experian, activity including a payment in XX/XX/XXXX occurred on this account from XX/XX/XXXX to XX/XX/XXXX. This is false. I used a XXXX card only until XXXX, when it was managed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX, that account was officially closed, and XXXX transitioned to issuing new cards through XXXX ( XXXX XXXX XXXX XXXX ). To obtain a XXXX card, one had to apply and receive approval. I did not do this. I never signed any agreement with XXXX, never applied for a card, never received a XXXX card, never made a purchase with one, and never received a statement from them. Experians report clearly states that my XXXX account was closed in XX/XX/XXXX. 
Despite this, Experian reports that I used a XXXX account from XX/XX/XXXX to XXXX. This is a serious misrepresentation and fabrication. I had no credit activity with Macys after XXXX. The XXXX account was closed in XXXX. The XXXX account ( beginning in XX/XX/XXXX ) has no connection to me and should not appear in my credit history. I never signed any documents with XXXX, never used any of their products, made purchases, or made payments. 
This information must be removed immediately from my Experian report as it is false and violates my right to an accurate credit history. 
2b. XXXX : My credit report also includes false and distorted information regarding an XXXX XXXX account XXXX which has been incorrectly linked to XXXX. 
I did have an XXXX XXXX card, which I used until XXXX, including for purchases at XXXX, as XXXX accepted XXXX at that time. This was an XXXX card, not issued by XXXX, but accepted at their stores. In XXXX, XXXX ended its partnership with XXXX XXXX and entered into an agreement with XXXX ( XXXX XXXX XXXX XXXX ) to issue co-branded cards. Obtaining such a XXXX card required a separate application and approval. 
I emphasize the following : I never signed any new agreements with XXXX ; I never applied for a XXXX card ; I never received a XXXX card ; And most importantly I never used any XXXX credit products, never made purchases or payments through them. 
Nevertheless, the report states that the XXXX account was closed in XX/XX/XXXX ( which is correct ), but also falsely indicates activity from XX/XX/XXXX through XX/XX/XXXX, including a fabricated payment in XX/XX/XXXX. This is entirely false and constitutes a violation, as I ceased using the XXXX card in XXXX and declined to transition to XXXX. There was absolutely no activity on any XXXX account, which, in fact, never existed under my name. 
This entry in the Experian report is either erroneous or deliberately fabricated and must be removed immediately, because it : Violates my right to accurate credit information ; Creates a false impression of my credit activity ; Misleads potential lenders. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to demand removal of any inaccurate or unverified information, particularly regarding unauthorized or nonexistent accounts. 
3b. XXXX XXXX : I have previously submitted complaints regarding completely false entries by XXXX XXXX, which allege late payments over 30 days for XXXX and XX/XX/XXXX. These allegations are false, misleading, and must be immediately removed. If Experian continues to ignore this issue, it would constitute negligence and a violation of applicable laws, including the FCRA. 
4. Hard Inquiry from XXXX XXXX dated XX/XX/XXXX : My credit report includes a hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX, with the address XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX The report states that this entry will remain until XX/XX/XXXX. 
This inquiry was related to my application for a credit card with XXXX. However, the denial letter stated that one of the reasons for rejection was the presence of two closed XXXX accounts, which as demonstrated above are false and inaccurate. The denial also referenced incorrect information about balances and payments on my active accounts, as described earlier in this statement. In other words, the decision to deny my credit application was based on false data in my Experian credit report. 
Therefore, this hard inquiry from XXXX XXXX XXXX based on false information, can not be considered legitimate. 
Under the provisions of the FCRA, I have the right to request the removal of unauthorized or erroneously initiated hard inquiries, particularly if they are based on inaccurate data. 
I hereby request the immediate removal of the hard inquiry from XXXX XXXX dated XX/XX/XXXX, as it is incorrect and must be deleted. 
Note : I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) because the Experian platform does not provide a functional or technical means to properly dispute and remove inaccurate information from my credit report. Specifically : There is no option to dispute closed accounts, even if the entries are false ; It is not possible to challenge entries marked Paid, even when payment amounts are incorrect ; The online dispute system limits the reason field to 210 characters, which makes it impossible to explain the situation clearly especially in cases involving legal violations, such as with XXXX XXXX ; My previous disputes have not been addressed substantively, and the Experian platform fails to offer adequate tools for full clarification of the issues, thereby violating principles of fair resolution and creating unnecessary bureaucratic barriers. 
I respectfully request that the CFPB conduct a full investigation and compel Experian to correct both the factual inaccuracies in my credit report and the technical limitations that prevent consumers from properly defending their rights. 
Sincerely.

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