Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
This complaint concerns the XXXX account # XXXXXXXX XXXX XXXX XXXX  that is being reported on my credit reports by the original creditor ( XXXX ) to Experian, XXXX XXXX XXXX 


Inaccurate and Contradictory Reporting XXXX is reporting this account with serious inconsistencies across the credit bureaus : Date of Last Activity : XXXX : XX/XX/XXXX | Experian : XX/XX/XXXX | XXXX : XX/XX/XXXX Account Type : XXXX  : Travel/Entertainment Card | Experian : Mortgage | XXXX  : XXXX XXXXPublic Accommodations  Delinquency Status : XXXX : XXXX Days Late | Experian : XXXX Days Late | XXXX : XXXX Days Late This account has also carried multiple negative marks ( XXXX, XXXX, XXXX, XXXX, and XXXXXXXX days late ) in past reporting. Yet the data does not match from bureau to bureau. This violates the accuracy requirements under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

Military Protections Ignored The account is flagged as Active Military Duty/ Recalled to Duty. As a servicemember, I am protected under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 39014043 ). Despite this, XXXX has continued to report me as severely delinquent, without showing compliance with the protections the law requires. 



Past Disputes I have disputed this account before. The CRAs dismissed my disputes without resolving the contradictions. Simply accepting a furnishers automated verified response is not a reasonable investigation under FCRA 611 ( a ).

Formal Requests ( FCRA Rights ) 609 ( a ) : I request the original contract and account-level documents.

611 ( a ) ( 1 ) ( A ) : During reinvestigation, unverified information must be deleted or blocked.

611 ( a ) ( 6 ) ( B ) ( iii ) : I request a description of the verification procedure, including the name and contact of the party who verified the data.

623 ( a ) ( 8 ) : This is also a direct dispute to XXXX requiring them to investigate and correct. 


I need deletion of this account while under investigation, and a cease of negative reporting until the information is fully verified with original documentation. 




Requested Resolution XXXX. Require XXXX to produce original documentation ( signed agreement, full payment history, and proof of SCRA compliance ). 


XXXX. Delete the XXXX tradeline from all three credit bureaus if the inconsistencies can not be reconciled and verified. 


XXXX. Provide me with the method of verification used. 


XXXX. Ensure XXXX complies with SCRA before reporting further negative information.

This account is still with the original creditor, yet it is reported with years of negative history and contradictory data across the bureaus. The information is inaccurate, unverifiable, and ignores my rights under the FCRA and SCRA. I request immediate deletion of this tradeline.

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