Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccurate and conflicting entries reported by Experian, Equifax, and TransUnion on my credit reports. These discrepancies violate multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), 12 CFR 1022.43, and the Privacy Act of 1974. They have resulted in financial and emotional harm, and I am exercising my full rights under the law.

Detailed Inaccuracies by Account 1. XXXX XXXX TransUnion reports the account starting XX/XX/XXXX ; Experian and Equifax begin in XX/XX/XXXX. 

XX/XX/XXXX : Equifax and TransUnion report late ; Experian reports on time. 

XX/XX/XXXX : Equifax and TransUnion report on time ; Experian reports late. 

XX/XX/XXXX : Equifax and TransUnion report late ; Experian reports on time. 

XX/XX/XXXX : Equifax and TransUnion report on time ; Experian reports late. 

XX/XX/XXXX : Equifax and TransUnion report on time ; Experian reports no data. 

XX/XX/XXXX : Equifax and TransUnion report late ; Experian reports on time. 

XX/XX/XXXX : Experian reports late ; Equifax and TransUnion report no data. 

XX/XX/XXXX : Experian continues reporting the account as charged off ; Equifax and TransUnion have ceased reporting. 

2. XXXX XXXX XX/XX/XXXX : Experian reports charged off ; Equifax and TransUnion show no data. 

XXXX XXXX XXXX : TransUnion reports the account as late despite being charged off. 

Balance inconsistencies : Equifax reports 100 % unpaid ; TransUnion 55 % unpaid ; Experian 45 % unpaid. 

3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Experian and TransUnion show on-time payments ; Equifax reports no data. 

XX/XX/XXXX : account marked charged off. TransUnion and Equifax stop reporting ; Experian incorrectly reports an additional charge-off in XX/XX/XXXX. 

Balance inconsistencies : Experian reports 46 % paid, TransUnion 54 %, Equifax 0 %. 

4. XXXX XXXXXXXX XXXX XXXX XXXX  : Experian and Equifax show on-time payments ; TransUnion doesnt report until XX/XX/XXXX. 

XX/XX/XXXX : Experian reports charged off ; Equifax and TransUnion report no data. 

5. XXXX XXXX Charged off in XX/XX/XXXX, but continues reporting as charged off through XX/XX/XXXX. 

Summary of Legal Violations These errors violate multiple federal statutes, including : FCRA 15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy in reporting.

FCRA 15 U.S.C. 1681i : Failure to reinvestigate and resolve disputed information.

FCRA 15 U.S.C. 1681n & 1681o : Liability for willful and negligent noncompliance ; eligible for {$1000.00} per violation.

12 CFR 1022.43 : Failure of furnishers to investigate disputes when notified.

Privacy Act of 1974 5 U.S.C. 552a : Requirement that records about individuals be accurate, relevant, timely, and complete.

15 U.S.C. 6802 ( Gramm-Leach-Bliley Act / FCRA ) : I am a federally protected consumer, and I hereby opt out of any and all authorizationswritten or unwritten, verbal or non-verbalthat I may have previously granted. You are now on notice to cease any data sharing, use, or continuation of inaccurate reporting.

These violations have harmed my creditworthiness, subjected me to emotional distress, and breached my legal rights as a consumer.

I attached all highlighted inaccuracies on my report and letters i sent in XXXX disputing these issues and never got a response.

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