Consumer complaint received 2026-04-06 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: MI

Complaint narrative:
This complaint is an Accuracy Audit against Equifax , Experian, and TransUnion regarding their handling of disputed tradelines reported by XXXXXXXX XXXX XXXX Despite multiple disputes and CFPB complaints, the credit reporting agencies ( CRAs ) have failed to conduct a lawful and reasonable investigation and continue to report inaccurate and unverifiable information. The CRAs claim the accounts were verified, yet they failed to provide any documentation or a lawful Method of Verification ( MOV ), as required under federal law. This constitutes a failure to ensure maximum possible accuracy and a willful disregard of my rights under the Fair Credit Reporting Act ( FCRA ). -- - # # # * * Accounts in Dispute * * * * * XXXXXXXX XXXX XXXX * * * Balance : {$23000.00} * Account Number : * Not properly disclosed or verified * * * * XXXXXXXX XXXX XXXX * * * Balance : {$9800.00} * Account Number : * Not properly disclosed or verified * As outlined in my dispute letters, these accounts contain * * inconsistent reporting * *, including : * Conflicting dates of last activity * Inconsistent payment history * Discrepancies in past-due amounts These inaccuracies were specifically identified in my disputes to all three bureaus. -- - # # # * * Legal Violations Accuracy Audit Findings * * # # # # * * 1. Failure to Conduct Reasonable Investigation * * * * * 15 U.S.C. 1681i ( a ) ( 1 ) * * CRAs are required to conduct a reasonable reinvestigation of disputed information. The CRAs failed to go beyond automated verification systems ( such as e-Oscar ) and did not provide any substantive evidence of investigation. -- - # # # # * * 2. Failure to Provide Method of Verification * * * * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * * CRAs must provide the method of verification upon request. Despite my formal request, no meaningful description of : * Who was contacted * How verification was conducted * What documents were reviewed was provided. -- - # # # # * * 3. Failure to Ensure Maximum Possible Accuracy * * * * * 15 U.S.C. 1681e ( b ) * * CRAs must follow reasonable procedures to assure maximum possible accuracy. The continued reporting of inconsistent and contradictory data demonstrates noncompliance. -- - # # # # * * 4. Failure to Mark Account as Disputed * * * * * 15 U.S.C. 1681s-2 ( a ) ( 3 ) * * Furnishers must report accounts as disputed. These accounts are not properly marked as in dispute, despite multiple disputes and CFPB complaints. -- - # # # # * * 5. Failure to Timely Process Disputes * * * * * 15 U.S.C. 1681i ( a ) * * Any delay or obstruction of dispute processing, including assumptions regarding third-party assistance, is unlawful and explicitly addressed in my notice to the bureaus. -- - # # # * * Willful Noncompliance * * * * * 15 U.S.C. 1681n ( Willful Violations of FCRA ) * * The CRAs repeated failure to : * Conduct a lawful investigation * Provide method of verification * Correct inaccurate information after multiple disputes and CFPB complaints demonstrates * * willful noncompliance * *, not mere negligence. -- - # # # * * Additional Applicable Laws ( If Applicable ) * * # # # # * * Fair Credit Billing Act ( FCBA 15 U.S.C. 1666 ) * * Applies if billing disputes were raised directly with the creditor ( XXXX ). Failure to investigate billing errors may also be implicated. # # # # * * Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692e, 1692f ) * * If this account is being collected by a third party, any reporting of inaccurate information or failure to nfair practices. -- - # # # * * Requested Resolution * * I am requesting the following : 1. Immediate deletion of the XXXX XXXX XXXX accounts unless verifiable documentation is produced 2. Full disclosure of the method of verification used 3. Copies of all documents relied upon in the investigation 4. Identification of the furnisher and verification process 5. Correction of all inaccurate reporting 6. Confirmation that the accounts are marked as disputed -- - # # # * * Conclusion * * The CRAs have failed to comply with multiple provisions of federal law and continue to report inaccurate, unverifiable information. Their actions constitute both negligent and willful violations of the FCRA, causing harm to my creditworthiness. If these violations are not corrected immediately, I reserve the right to pursue further legal action. -- - * * Submitted by : * * XXXX XXXX

Company response to consumer: Closed with explanation