Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian has repeatedly failed to maintain or verify consistent and accurate information for the XXXX XXXX XXXX account, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed this account multiple times with Experian starting XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX but each reinvestigation has only resulted in further confusing, inconsistent, and inaccurate data being reported, causing significant damage to my credit profile. The payment history for this single account is inconsistent across months on Experians own report and is fundamentally inconsistent when compared to other nationwide credit reports. This lack of reliability demonstrates that neither Experian nor the furnisher can verify the data being reported. 

For the payment history around XXXX and XX/XX/XXXX, the data is contradictory. One report displays a 60 ( Past due 60 days ), while another shows ND ( No Data ) or CLS ( Closed ) for the exact same months. Other months show different combinations of 30 ( Past due 30 days ) or a checkmark ( Current/Terms met ), making the entire trade in. Now the most current dispute shows dashes in months that should show data of accurate payments. 

Furthermore, the enclosed cross-bureau report shows that the data reported by Experian directly conflicts with the information on my TransUnion report for the same period. Equifax is not reporting any negative information at all for this account, proving the information being furnished to Experian is erroneous and not generally verifiable. The continued reporting of this unverifiable, inconsistent, and inaccurate data violates the core duties of both the credit reporting agency and the furnisherrc. Experian is violating 15 U.S.C. 1681e ( b ), which requires the maintenance of " reasonable procedures to assure maximum possible accuracy. of all information. current reporting is the opposite of accurate.

Experian is ALSO violating 15 U.S.C. 1681 WHICH by failing to conduct a reasonable reinvestigation A reasonable investigation would have revealed the extreme inconsistencies in the payment history and led to the immediate deletion of this unverified tradeline. 
The company, XXXX XXXX XXXX is violating its duty under 15 U.S.C. 1681 2 ( b ) by failing to perform a proper investigation and correct the numerous inconsistencies after being notified of my disputes. 

As explained, Experian and XXXX XXXX XXXX can not provide consistent, accurate, and verifiable data. As the responsibility of Experian to update accurate information, which failed dispute process only resulted in further, compounding inaccuracies, I demand Immediate and Permanent Deletion of the entire XXXX XXXX XXXX tradeline ( Acct. # XXXX ) as it must be permanently deleted from my Experian credit file. This is the only acceptable resolution for the continuous violation of my rights to an accurate report under the FCRA.

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