Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint due to multiple factual inaccuracies and failure to comply with FCRA reinvestigation requirements by the credit bureaus and furnishers. My previous disputes were not properly handled, and I am now demanding full deletion of the inaccurate accounts. Below is a summary of the key violations and supporting evidence : 1. Discrepancies in Date Opened The same account is being reported with different opening dates across bureaus. 
Example : XXXX  XXXX is reported as opened XX/XX/year> on TransUnion and XX/XX/year> on Experian, which is a clear violation of FCRA 1681e ( b ) ( requirement for maximum possible accuracy ).

2. Discrepancies in High Credit Amounts Example : XXXX XXXX XXXX  XXXX account shows {$740.00} high credit on TransUnion but {$0.00} on Experianindicating inaccurate or incomplete reporting. 
3. Failure to Correct Errors After Dispute Despite multiple disputes, the furnishers continue to verify incorrect information. 
TransUnions dispute results state Verified as Accurate and Updated, but key inaccuracies ( dates, balances, payment history ) were not corrected. 
This violates FCRA 1681i ( a ) ( 5 ) ( A ), which requires correction or deletion of inaccurate information. 
4. Equifax Removed These Accounts, Yet Experian and TransUnion Still Report Them Equifax has already deleted these accounts, proving that the information was unverifiable or inaccurate.

Experian and TransUnion have failed to follow the same standard, which is an inconsistency in
reporting and a violation of FCRA 1681a ( f ).

5. Previous Fraud Disputes Were Mishandled Now Filing as Factual Inaccuracy Previously, I disputed these accounts based on potential fraud or identity theft. However, after reviewing the data, I found factual reporting errors that must be reinvestigated properly. 
Important Note on Prior Disputes : Previously, I disputed these accounts on the grounds of potential identity theft/fraud, as I believed at the time that my information had been used improperly. However, after reviewing multiple reports from different bureaus, I now realize that these accounts are not just unverified but contain numerous factual reporting errors that violate the FCRA. Therefore, this dispute is entirely separate from any prior fraud claims and must be treated as a new factual dispute requiring a proper reinvestigation under 15 U.S.C. 1681s-2 ( b ). Since my previous fraud-related dispute was improperly handled, I am now demanding removal based on clear, documented inaccuracies rather than fraud. I have attached screenshots from my credit reports, dispute results, and proof that Equifax deleted the accounts while Experian and TransUnion still report them.

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