Consumer complaint received 2025-11-17 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: NJ

Complaint narrative:
CFPB COMPLAINT : Experian Reporting Inaccurate and Unverifiable Accounts I am filing this complaint because Experian is reporting multiple inaccurate, incomplete, duplicate, and unverifiable accounts on my credit report. I have requested corrections directly with Experian, but the inaccurate information remains. These accounts contain false balance information, impossible future update dates, duplicated reporting, and incorrect payment histories, which violates the Fair Credit Reporting Act ( FCRA ). 

Below is a detailed breakdown of each account that Experian is reporting incorrectly : 1. XXXX XXXX XXXX Reports a future balance update date of XX/XX/2025, which is impossible and automatically inaccurate. 
Balance is inconsistent with the original balance. 
Violates FCRA 607 ( b ) for failure to ensure maximum possible accuracy. 

Requested resolution : Delete this entire tradeline. 



2. XXXX XXXX XXXX XXXX Balance {$5100.00} Shows XXXX potentially negative months, which contradicts actual payment history. 
Reporting history is inconsistent and unverifiable. 
Violates FCRA 623 ( a ) ( 3 ). 

Requested resolution : Delete this account. 



3. XXXX XXXX ( Closed, Paid ) Account is paid and closed but continues reporting negative information beyond allowable accuracy standards. 
Date information is inconsistent. 
Violates FCRA 605 ( a ). 

Requested resolution : Remove this tradeline entirely. 



4. XXXX XXXX  Original Balance {$2000.00} ( Paid ) This is a duplicate negative account associated with XXXX XXXX. 
Late payments were reported after the account was closed and paid, which is inaccurate. 

Requested resolution : Delete the duplicate/incorrect XXXX XXXX XXXX XXXX 



5. XXXX XXXX Balance {$1300.00} Reports XXXX potentially negative months inaccurately. 
Balance update date is listed as XX/XX/2025, which is impossible. 
Violates FCRA 607 ( b ) & 611. 

Requested resolution : Delete this XXXX tradeline. 



6. XXXX XXXX ( Original Creditor : XXXX ) Reports future update date ( XX/XX/2025 ) impossible. 
Balance history does not match original creditor data. 
Unverifiable account. 

Requested resolution : Delete this XXXX XXXX entry. 



7. XXXX XXXX ( XXXX Bank XXXX ) Experian is reporting two separate accounts with the exact same balance of {$1200.00} : Both show future balance update dates ( XX/XX/2025 ). 
These are duplicate collections, which is illegal under FCRA 605 & 623. 
Inaccurate and unverifiable. 

Requested resolution : Delete both XXXX XXXX accounts. 



8. STATE OF MARYLAND XXXX XXXX  ( University of XXXX  ) Two separate negative accounts : {$3200.00} balance {$990.00} balance Both have : Future update dates ( XX/XX/2025 ) Date fields and balance updates that can not be verified Inconsistent historical reporting Requested resolution : Delete both State of XXXX accounts. 



Summary of FCRA Violations Experian is in violation of : FCRA 602 Failure to maintain fair and accurate credit reporting FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 Failure to properly investigate FCRA 609 ( a ) Failure to provide verifiable documentation FCRA 623 Furnishers reporting inaccurate information FCRA 605 Reporting obsolete or misleading negative information These accounts contain impossible future update dates, duplicated entries, inconsistent balances, and unverifiable payment history.

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