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: TX

Complaint narrative:
I discovered that a closed account from XXXX XXXX ( later sold to XXXX XXXX XXXX ) is being reported inconsistently across the XXXX major credit bureausEquifax, Experian, and TransUnion. Each bureau reports different payment histories, creditor information, status dates, and balance update dates. For example, Experian shows months of missed payments and charge-offs, while Equifax and TransUnion display XXXX payment history at all. XXXX bureau lists XXXX XXXX XXXX as the original creditor ; others omit this entirely. 

I disputed the inaccuracies with all three credit bureaus and provided documentation highlighting the discrepancies. XXXX bureau acknowledged a reinvestigation was in progress, but no resolution was provided. Despite clear evidence that the information is contradictory and unverifiable, the account remains on my credit reports. 

These inconsistencies violate the Fair Credit Reporting Act, which requires that all information reported be accurate, complete, and verifiable. The ongoing presence of this account has negatively affected my credit profile and access to fair credit opportunities. 

I am asking the CFPB to investigate the reporting practices of XXXX XXXX and XXXX XXXX XXXX and to ensure the account is either corrected or removed in accordance with federal law. 
Complaint Details : Company Names : XXXX XXXX XXXX XXXX XXXX LLCAccount Number : XXXX Bureaus Involved : Equifax, Experian, TransUnionDisputed Report Dates : XX/XX/XXXX ( all three bureaus ) Nature of the Issue : Inconsistent Payment History : Equifax and TransUnion report No payment history available to display. 

Experian reports numerous delinquencies ( XXXX, XXXX, XXXX, XXXX, XXXX  days late ) and charge-off statuses. 

Discrepancy in Creditor Identification : Equifax lists " XXXX XXXX XXXX XXXX '' as the original creditor. 

Experian lists XXXX XXXX XXXX under Company sold but no original creditor. 

TransUnion provides no original creditor at all. 

Conflicting Status and Balance Update Dates : Balance update dates vary across bureaus : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( TransUnion ). 

Status update dates and payment dates also conflict. 

Lack of Verification and Incomplete Reporting : There is no consistent or verifiable information among the credit bureaus regarding this account. 

Attempts to dispute this with the credit bureaus have not resolved the issue. 

XXXX bureau ( Equifax ) indicates a reinvestigation is in progress but has not provided any results or verification.

Applicable Laws Violated : FCRA 1681i : Failure to conduct reasonable reinvestigation. FCRA 1681s-2 ( b ) : Failure of data furnisher to correct or remove inaccurate/incomplete data.

FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy.

I am requesting that the CFPB : Investigate XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX inconsistent and potentially misleading reporting of this account. 

Ensure that each credit bureau provides a consistent, accurate, and fully verified record. 

Confirm whether the account is verifiable with source documentation. 

Enforce deletion of the tradeline if it can not be verified as required by law. 

These discrepancies have a materially negative effect on my credit profile and ability to obtain fair credit. I respectfully request prompt intervention. and Transunion and equifax never conducted avestigation or else the information would not all be innacurate that was previously dispute with CFPB still reporting inaccurate If this matter is not resolved promptly and the inaccurate and unverifiable Mariner Finance/Plaza Services LLC account is not deleted from all three of my credit reports, I intend to pursue legal action. I will seek remedies under the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 1681o ) for negligent and/or willful noncompliance, including statutory damages, actual damages for credit harm, court costs, and attorney fees. I am also prepared to assert claims under the XXXX XXXX XXXX XXXX and any other applicable consumer protection laws. This letter serves as formal notice of my intent to sue should these violations remain uncorrected.

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