Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I am writing to formally request your assistance in resolving inaccuracies reported by all three major credit reporting agencies ( Equifax, Experian, and TransUnion ) on my credit reports. Despite my efforts to address these issues directly with the agencies, the discrepancies remain unresolved. 
The inaccuracies include : XXXX. Discrepancies on late payments : There are several instances where late payments are incorrectly reported. These errors are affecting my credit score and financial standing. 
XXXX. Incorrect information on original creditors : Some accounts list incorrect information regarding the original creditors, which is misleading and inaccurate. 
XXXX. XXXX balances and duplicate reporting : Some accounts are reported with XXXX balances and are duplicated as both a collection and a charge-off, which is misleading and negatively impacts my credit score. 
For example, on all my credit reports report : Account Name : XXXX  Account Number : XXXX Status : XXXX Potentially Negative Months Balance : {$0.00} Balance Updated : XX/XX/XXXX Additionally, the following account information is also inaccurate : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4400.00} Balance Updated : XX/XX/XXXX Original Balance : {$4400.00} Status : 0 % paid off I have reached out to Equifax, Experian, and TransUnion to notify them of these inaccuracies and requested corrections. However, my attempts have not resulted in any meaningful resolution. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information in my credit report. Specifically : Section 611 ( 15 U.S.C. 1681i ) : This section requires consumer reporting agencies to investigate disputes and correct or delete any information found to be inaccurate, incomplete, or unverifiable within 30 days. 
Section 623 ( 15 U.S.C. 1681s-2 ) : This section mandates that furnishers of information to consumer reporting agencies must not report information that they know or have reasonable cause to believe is inaccurate. They are also required to correct and update information.

Section 605 ( 15 U.S.C. 1681c ) : This section outlines the types of information that can not be included in consumer reports, such as outdated information.

Section 1666b ( 15 U.S.C. 1666b ) : This section specifies that a creditor may not treat a payment as late unless the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. 
I kindly request the Consumer Financial Protection Bureau to investigate these matters and assist in ensuring that my credit reports accurately reflect my credit history. The continued presence of these inaccuracies is causing significant distress and financial hardship.

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