Consumer complaint received 2025-05-26 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:
Complaint Against : Experian, Equifax, TransUnion Filed by : XXXX XXXX Date of Reports : XX/XX/XXXX XXXX : XXXX | XXXX : XX/XX/XXXX I am filing a formal complaint against all three major credit reporting agencies for failure to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) and Metro 2 / CDIA guidelines. Despite having formally disputed these items with appropriate identification, proof of address, and a detailed list of inaccuracies, these agencies failed to perform a legally compliant reinvestigation or provide any documentation verifying the debts.

The following accounts are being disputed :.

Experian ADDRESS DISCREPANCY Issue : The following addresses are outdated or inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Relevant Law : FCRA 1681e ( b ) Demand : Retain only my current address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 

1. XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account Number : XXXX Status : Collection {$780.00} Date Reported : XX/XX/XXXX Issue : I dispute the validity of this collection and have not received lawful validation of the alleged debt or any agreement proving liability.

Law : Under 15 U.S.C. 1681i and 1681e ( b ), Experian must ensure data accuracy and must delete unverifiable data. Without signed documentation and full accounting from the original creditor, this account is not verifiable.

Demand : Delete this account if you can not furnish proof of contractual obligation, original itemized billing from XXXX XXXX, and proper assignment to XXXX XXXX XXXX. 

________________________________________ 2. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Status : Charged Off {$1600.00} Date Reported : XX/XX/XXXX Issue : This charged-off account is reporting severely derogatory marks but is inconsistent with TransUnions report showing Paid as agreed. 

Law : Under 15 U.S.C. 1681e ( b ), credit bureaus are responsible for reporting the most accurate and complete version of an account across all platforms.

Demand : Delete this account unless you can produce the original secured card agreement and account-level audit trail proving this status was accurately reported at charge-off. 

________________________________________ XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ) Account Number : XXXX Status : Collection {$160.00} Date Reported : XX/XX/XXXX Issue : I have never received a validation letter or lawful notice of collection. I dispute both the amount and the assignment. 

Law : Under 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), debts must be properly validated and verified.

Demand : Delete unless the full agreement with XXXX XXXXXXXX XXXX XXXX and proof of collection rights are furnished. 

________________________________________ 4. XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX Account Number : XXXX Status : Collection {$2600.00} Date Reported : Ongoing Issue : This apartment-related collection is disputed due to lack of lease-end documentation, damage claims, and move-out charges. No lawful notice or billing has been received.

Law : Under FCRA 1681e ( b ) and Metro 2, accurate documentation for housing collections must include final billing, lease breakdown, and legal authority to collect.

Demand : Remove the entry unless all required documents can be obtained directly from XXXX XXXX. 

________________________________________ 5. XXXX XXXX XXXX Account Number : XXXX Status : Collection {$9000.00} Issue : I have no record of this account. It appears to be re-aged and unverifiable. 

Law : Under FCRA 1681i ( a ) ( 5 ) and 1681c, re-aged or reinserted accounts must have full documentation and consumer notice.

Demand : Immediately delete unless original charge-off history, purchase agreement, and legal standing are provided. 

________________________________________ 6. XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off {$12000.00} Date Reported : XX/XX/XXXX Issue : This account shows repossession and charge-off status without verified notices or full accounting of vehicle disposition. 

Law : 15 U.S.C. 1681s-2 ( b ) requires furnishers to verify all derogatory statuses. Repossessions must be accompanied by legal notices, sales documentation, and debt reconciliation.

Demand : Delete unless XXXX can produce signed auto contract, default notices, and itemized vehicle sale proceeds. 

________________________________________ 7. DEPT OF ED / XXXX ( Several Accounts ) Account Numbers Begin With : XXXX Status : Deferred, marked with 90-day late in XX/XX/XXXX Issue : These federally serviced student loans show serious delinquency in XXXX, followed by an extended deferment period. I challenge the legitimacy of the reporting and the servicers authority. 

Specific Issues : No original Master Promissory Notes ( MPNs ) have ever been disclosed to me.

No chain of custody from prior servicers ( such as XXXX, XXXX, or XXXX ) has been presented. 

The reported delinquencies overlap with known forbearance periods due to federal relief programs.

Law : 15 U.S.C. 1681e ( b ) Requires accurate reporting.

15 U.S.C. 1681g Full disclosure obligations.

Metro 2 and CDIA Delinquency reporting during deferment or forbearance violates protocol.

Demand : Unless Experian can provide all the following : Signed original MPNs Servicer transfer and payment history Proof of actual delinquency outside of administrative forbearance These accounts must be deleted in their entirety.

________________________________________ Summary of Demands : If any of the accounts listed above can not be fully verified within 30 days, as required by 15 U.S.C. 1681i, they must be removed from my credit file. Failure to properly respond will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and may trigger civil action under 15 U.S.C. 1681n and 1681o.

Equifax ADDRESS DISCREPANCY Issue : The following addresses are outdated or inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Relevant Law : FCRA 1681e ( b ) Demand : Retain only my current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
2. XXXX XXXX Account Number : XXXX Status : Charge-Off {$1600.00} Date Reported : XX/XX/XXXX Issue : This revolving account shows severe delinquency and charge-off status, but similar accounts on other bureau files reflect different treatment, suggesting incomplete or inaccurate reporting. 

Law : Under 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy.

Demand : If you can not obtain the original signed credit agreement and full account history from XXXX XXXX  including date of last payment and itemized balance history, this account must be deleted. 

________________________________________ 3. XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off {$12000.00} Comments : Repossession and charge-off in XXXX Issue : This auto loan account reflects charge-off and repossession without documentation of vehicle disposition, lawful notice of default, or accounting for sale proceeds.

Law : 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate and accurately verify accounts after disputes.

Demand : Delete this account unless you can produce the signed loan contract, default notices, repossession records, and full breakdown of balance after collateral disposition.

________________________________________ 4. XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account Number : XXXX Status : Unpaid Collection {$780.00} Reported : XX/XX/XXXX Issue : This debt has not been validated. No billing, contract, or proof of liability has been provided to me. 

Law : 15 U.S.C. 1681i requires Equifax to delete unverifiable information.

Demand : Remove this account unless XXXX XXXX can supply full validation including original agreement, billing statement, and proof of lawful assignment from XXXX XXXX. 

________________________________________ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  & XXXX ) Account Number : XXXX Status : Unpaid Collection {$160.00} Reported : XX/XX/XXXX Issue : This debt is unfamiliar and has not been validated through documentation. 

Law : Under FCRA 1681i and FDCPA 809 ( 15 U.S.C. 1692g ), collection accounts must be substantiated with contractual and billing evidence.

Demand : Delete this account unless the original creditor provides utility bills, customer agreement, and proof of collection authorization.

________________________________________ 6. XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXX Account Number : XXXX Status : Unpaid Collection {$2600.00} Reported : XX/XX/XXXX Issue : I was not provided with an end-of-lease billing statement, damage report, or lawful notice of amount due. The collection lacks foundational proof.

Law : Under Metro 2 Format and FCRA 1681e ( b ), all apartment-related collections must include itemized damage reports, tenant responsibility acknowledgment, and lease documentation.

Demand : Remove this collection unless full documentation from XXXX XXXX is obtained, including legal basis for reporting this debt. 

________________________________________ 7. XXXX XXXX XXXX Account Number : XXXX Status : Collection {$9000.00} Reported : XX/XX/XXXX Issue : This is either a re-aged account or was reinserted without notification. I have no knowledge of the original debt. 

Law : Under 15 U.S.C. 1681i ( a ) ( 5 ) and 1681c ( f ), any reinsertion must be verified and disclosed to the consumer. 

Demand : Delete unless XXXX XXXX can provide the original creditors information, charge-off history, and legal proof of transfer of ownership. 

________________________________________ 8. DEPT OF ED / XXXX ( 23 Accounts ) Account Numbers Begin With : XXXX Balances range from {$530.00} to {$44000.00} Status : Deferred yet historically reported 90-day lates in XX/XX/XXXX Issue : These federal student loans are reporting delinquencies during periods of forbearance or administrative deferment. Additionally : No Master Promissory Notes ( MPNs ) have ever been presented.

I have not received documentation validating transfer from prior servicers.

No breakdown exists of payment activity, current standing, or borrower-signed acknowledgment of new servicer terms.

Law : FCRA 1681e ( b ) Requires accuracy FCRA 1681g Consumer right to full disclosure Metro 2 and CDIA Guidelines Disallow reporting late payments during approved deferment or forbearance Demand : Delete all 23 student loan entries unless Equifax can provide : Original signed MPNs Transfer verification from previous servicers Proof of default dates and forbearance status with timestamps showing late payments occurred outside protected periods ________________________________________ Summary of Legal Basis : This letter is submitted in accordance with 15 U.S.C. 1681i ( a ) and 1681e ( b ) of the FCRA. Equifax is required to respond to this dispute within 30 days. If any entry can not be fully verified through original documentation from the data furnisher, it must be promptly deleted.

Failure to comply may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, and may lead to legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Transunion 1. NAME DISCREPANCY Issue : My correct name is XXXX XXXX. The credit report incorrectly lists : XXXX XXXX. 
Relevant Law : FCRA 1681e ( b ) requires maximum possible accuracy. Demand : Delete all variations of my name that are not XXXX XXXX. 

2. ADDRESS DISCREPANCY Issue : The following addresses are outdated or inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Relevant Law : FCRA 1681e ( b ) Demand : Retain only my current address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
3. HARD INQUIRIES Issue : I did not authorize the following hard inquiry : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Relevant Law : FCRA 1681b ( c ) requires permissible purpose. Demand : Delete all unauthorized inquiries unless you can furnish documented proof of permissible purpose under written consent. 
4. XXXX XXXX XXXX / XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : This installment account reflects a 30-day late payment in XX/XX/XXXX, despite full repayment and account closure by XX/XX/XXXX. 

Relevant Law : Under 15 U.S.C. 1681e ( b ), TransUnion is obligated to report only accurate and up-to-date information. The continued listing of this derogatory mark violates this provision.

Demand : Remove the late payment mark and update the account to reflect Paid As Agreed No Late Payments. If this can not be verified with the original loan contract and full payment history, it must be deleted.

5. XXXX XXXX XXXX Account Number : XXXX Status : Charge-Off {$12000.00} Date Reported : XX/XX/XXXX Issue : This account shows repossession and charge-off status without verified notices or full accounting of vehicle disposition.

Law : 15 U.S.C. 1681s-2 ( b ) requires furnishers to verify all derogatory statuses. Repossessions must be accompanied by legal notices, sales documentation, and debt reconciliation. 

Demand : Delete unless XXXX can produce signed auto contract, default notices, and itemized vehicle sale proceeds. 

6. XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) Account Number : XXXX Status : Collection {$780.00} Date Reported : XX/XX/XXXX Issue : I dispute the validity of this collection and have not received lawful validation of the alleged debt or any agreement proving liability.

Law : Under 15 U.S.C. 1681i and 1681e ( b ), Experian must ensure data accuracy and must delete unverifiable data. Without signed documentation and full accounting from the original creditor, this account is not verifiable.

Demand : Delete this account if you can not furnish proof of contractual obligation, original itemized billing from XXXX XXXX, and proper assignment to XXXX XXXX XXXX. 
7. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ) Account Number : XXXX Status : Collection {$2600.00} Date Reported : Ongoing Issue : This apartment-related collection is disputed due to lack of lease-end documentation, damage claims, and move-out charges. No lawful notice or billing has been received.

Law : Under FCRA 1681e ( b ) and Metro 2, accurate documentation for housing collections must include final billing, lease breakdown, and legal authority to collect.

Demand : Remove the entry unless all required documents can be obtained directly from XXXX XXXX. 
8. XXXX XXXX XXXX Account Number : XXXX Status : Collection {$9000.00} Issue : I have no record of this account. It appears to be re-aged and unverifiable. 
Law : Under FCRA 1681i ( a ) ( 5 ) and 1681c, re-aged or reinserted accounts must have full documentation and consumer notice.

Demand : Immediately delete unless original charge-off history, purchase agreement, and legal standing are provided. 
9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported twice from to different collection agency. 
Account Number : XXXX Status : Unpaid Collection {$160.00} Reported : XX/XX/XXXX Issue : This debt is unfamiliar and has not been validated through documentation. 

Law : Under FCRA 1681i and FDCPA 809 ( 15 U.S.C. 1692g ), collection accounts must be substantiated with contractual and billing evidence.

Demand : Delete this account unless the original creditor provides utility bills, customer agreement, and proof of collection authorization.

10. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) ) Reported twice from to different collection agency. 
Account Number : XXXX Status : Collection {$160.00} Date Reported : XX/XX/XXXX Issue : I have never received a validation letter or lawful notice of collection. I dispute both the amount and the assignment.

Law : Under 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), debts must be properly validated and verified.

Demand : Delete unless the full agreement with XXXX XXXXXXXX XXXX XXXX and proof of collection rights are furnished. 
________________________________________ 11. STUDENT LOANS DEPT OF ED / XXXX ( 5 Accounts ) Account # s begin with XXXXXXXX XXXX * through XXXXXXXX XXXX XXXX XXXX XXXX Balances range from {$870.00} to {$4000.00} Issue : These accounts are marked as Deferred, yet show serious delinquencies such as 90-day lates in XX/XX/XXXX, as well as 20+ months of PDE ( Payment Deferred ) remarks. 

Major Concerns : No Master Promissory Notes ( MPN ) have been provided to me. 

I have not been shown a legally binding agreement with Aidvantage or evidence of chain-of-custody from prior servicers. 

Reporting delinquencies while accounts are in deferment constitutes misleading and inaccurate reporting under 15 U.S.C. 1681i ( a ).

Relevant Law : 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Furnisher investigation duties 15 U.S.C. 1681g Full disclosure requirements Metro 2 & CDIA Deferred student loans must not show derogatory history during administrative forbearance or deferment periods.

Demand : I am requesting the immediate deletion of all Aidvantage-serviced loans unless : The original signed MPNs are produced.

Documentation of proper servicing transfers ( chain of custody ).

Detailed evidence of valid delinquency reporting per Metro 2 guidelines.

If you are unable to obtain this verification from XXXX within the statutory 30-day window, you are legally obligated to remove these entries.

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