Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am filing this complaint due to multiple errors and inconsistencies found in my Experian credit report dated XX/XX/XXXX. Since XX/XX/XXXX, I have submitted multiple formal disputes regarding these same issues, and Experian has consistently ignored my requests, failed to investigate, and violated my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Duplicate entries : My report lists at least XXXX open accounts under DEPT OF ED / XXXX  that appear to be duplications or improperly split versions of the same loans. These duplicates unfairly inflate my total debt and negatively impact my score. 

XXXX. Derogatory XXXX account ( {$5700.00} ) : This account was disputed previously, but Experian still reports it as charged off with a severe late payment history. No original creditor documentation has ever been provided. 

XXXX. False credit usage : Experian is reporting my credit utilization at 116 %, which is mathematically impossible and severely distorts my creditworthiness. 

XXXX. Incomplete payment history : Several open accounts report long periods as XXXX  ( XXXX XXXX ), preventing proper scoring and presenting a misleading profile. 

Experian has ignored my past disputes, failed to correct or verify anything, and has refused to fulfill its legal obligation to maintain accurate and complete data. This negligence has directly harmed my financial standing. 

I am submitting this complaint because Experian has willfully and repeatedly failed to address serious errors on my credit report, despite multiple disputes filed since XX/XX/XXXX. 

My rights under the Fair Credit Reporting Act ( FCRA ) have been ignored, and the agency continues to publish inaccurate, unverifiable, and misleading information that damages my creditworthiness. 

Key issues include : XXXX  account listed with a charge-off of {$5700.00} and over 180 days of late payments. This account was previously disputed, yet Experian continues to report it without providing legally valid documentation from the original creditor. I demand its complete removal. 

Hard inquiries by XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and others remain on my report, despite some being unauthorized and others already resolved. These inquiries are outdated and should not impact my score. I request they be fully deleted. 

Duplicate Dept. of Ed / XXXX  entries : My report includes at least XXXX open XXXX  accounts, many of which are exact duplicates. This inflates my total debt and distorts my credit profile. I demand their consolidation or deletion if they are not legally separate obligations. 

Invalid credit utilization rate : My utilization is listed at 116 %, which is mathematically impossible. This must be recalculated accurately using verifiable balances and limits. 

Missing payment history ( XXXX XXXX  ) : Several accounts do not include proper payment history. This incomplete data is being used against me and must be corrected or removed.

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