Consumer complaint received 2025-06-07 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: WA

Complaint narrative:
Subject : Formal Complaint Against Experian, TransUnion and Equifax for FCRA Violations To Whom It May Concern, I am filing this formal complaint against Experian, TransUnion and Equifax through the Consumer Financial Protection Bureau ( CFPB ) due to repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Experian, TransUnion and Equifax has consistently failed to maintain accurate reporting, failed to conduct reasonable investigations into my disputes, and has refused to delete clearly incorrect and unverifiable information from my credit file. 

Summary of Violations : 1. Inaccurate and Inconsistent Account Reporting Experian, TransUnion and Equifax are currently reporting incorrect balances on one or more accounts on my credit report. These balances do not match what is being reported by the original creditor or other major credit reporting agencies ( Equifax and TransUnion ). Additionally, account statuses are being reported inconsistently : Some bureaus show the account as open, while others list it as closed, The same account reflects different balances and statuses across the three bureaus, and In some cases, balances are reported on accounts that have been closed or charged off, which is misleading and harmful. 

This demonstrates a clear failure by Experian to ensure data integrity under : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 2. Failure to Conduct a Reasonable Reinvestigation I have previously disputed these inaccurate items with Experian on. Despite submitting supporting documentationincluding statements and evidence from the creditorExperian, TransUnion and Equifax failed to conduct a reasonable reinvestigation as required under : 15 U.S.C. 1681i ( a ) Duty to reinvestigate disputed information Experian, TransUnion and Equifax appears to have relied solely on the original furnishers automatic response rather than performing an independent and meaningful investigation, which does not satisfy the FCRAs requirements. 

3. Refusal to Delete Inaccurate and Unverifiable Information Even after providing clear and supporting evidence, Experian has refused to delete the inaccurate and unverifiable information. Under : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) A credit reporting agency is obligated to delete information if it is inaccurate, incomplete, or can not be verified.

Experian, TransUnion and Equifax continued reporting of these items is both negligent and willful, contributing to harm to my creditworthiness and standing. 

Requested Relief : I am requesting that the Consumer Financial Protection Bureau take immediate action to investigate Experian, TransUnion and Equifax for : Failing to report accurate and consistent credit data Failing to conduct a lawful and reasonable dispute investigation Continuing to report false and unverifiable information in violation of federal law I also request that Experian, TransUnion and Equifax be required to : Delete inaccurate and inconsistent items from my credit file Provide me with written confirmation of the deletion Be held accountable for violating my consumer rights under the FCRA Attached to this complaint are, relevant account screenshots, and creditor statements for your review. I have made several attempts to take up my complaints directly with these companies. 

Thank you for your time and assistance in helping me exercise and protect my consumer rights. 

Sincerely, XXXX XXXX

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