Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Company Complained About : XXXX XXXX XXXX XXXX  ) I am filing this complaint against XXXX XXXX  XXXX also known as XXXX  ) for violating the Fair Credit Reporting Act ( FCRA ) by furnishing inaccurate, incomplete, and unverifiable information about my account ( Account Number : XXXX ) to the three major credit bureaus : TransUnion, Experian, and Equifax XXXX This account appears on my credit reports dated XX/XX/year>, as a closed revolving credit card with an outstanding balance of {$280.00}, updated as of XX/XX/year>, and a credit limit of {$12000.00}. The status is reported as " Paid or paying as agreed '' or " Closed/Never late, '' with comments like " Canceled by credit grantor '' or " Account closed at credit grantor 's request. '' The account was opened on XX/XX/year>, and closed shortly after in XX/XX/year>, with a highest balance of {$11000.00} and a last payment date of XX/XX/year> ( or XX/XX/year> on Equifax ). 

This reporting is inaccurate and misleading because : The {$280.00} balance is incorrect and unverifiable. I dispute that any balance remains outstanding, as my records indicate all payments were made on time, and this appears to be an error in reporting. Reporting an erroneous balance on a closed account artificially inflates my credit utilization ratio ( currently around 10 % overall but impacted by this item ), which is suppressing my FICO scores ( XXXX on TransUnion, XXXX on Experian, XXXX on Equifax ) and harming my ability to obtain credit at favorable terms. 

The closure status ( " Canceled by credit grantor '' ) is incomplete and implies negative behavior on my part, despite the " exceptional payment history '' and no late payments reported. This lacks full context and misrepresents the account, potentially signaling risk to lenders. 

The entire tradeline is unverifiable, as XXXX XXXX  has not provided adequate proof of the debt or closure details upon my review. 

FCRA 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX  , as the furnisher, failed to conduct a reasonable investigation, correct inaccuracies, or delete unverifiable information after being notified of the dispute. 

FCRA 15 U.S.C. 1681e ( b ) : The credit bureaus ( TransUnion, Experian, Equifax ) did not follow reasonable procedures to ensure the maximum possible accuracy of the information.

FCRA 15 U.S.C. 1681i ( a ) : The bureaus failed to perform a reasonable reinvestigation and delete the item if unverifiable.

These violations have caused me actual harm, including lower credit scores, denied credit opportunities, and emotional distress from dealing with persistent inaccuracies. I demand that XXXX XXXX  immediately investigate, provide proof of the reported information ( including all account statements and closure documentation ), and instruct the credit bureaus to permanently delete this entire tradeline from my reports if it can not be verified as 100 % accurate. Failure to do so constitutes willful noncompliance under FCRA 1681n, entitling me to statutory damages, punitive damages, and attorney 's fees. 

I have attached copies of my credit reports from all three bureaus highlighting the item. I expect a full resolution within the CFPB 's mandated timeframe, including updated credit reports showing the deletion. If not resolved, I will pursue all available remedies, including private litigation 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