Consumer complaint received 2025-07-08 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Formal FCRA Dispute and Demand for Deletion of Inaccurate Information To Whom It May Concern : This letter is a formal dispute of multiple inaccurate items on my Experian credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ). I demand an immediate and thorough reinvestigation and the deletion of the unverified and erroneous information listed below. My proof of identity and address are enclosed. 
1. Personal Information Correction : Your file for me is grossly inaccurate and fragmented. It lists 17 name variations and 28 different addresses. This is unacceptable. I demand you correct my file to list my name only as XXXX XXXX XXXX and my current address only as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. All other aliases, name variations, and previous addresses must be deleted from my file to ensure its accuracy. 
XXXX. Disputed Accounts for Deletion : Your report is missing key accounts and contains inaccurate data on others. 
* Missing Accounts : Your credit report is completely missing several accounts, including a student loan from XXXXXXXX XXXX XXXX XXXX XXXXnd a collection account from XXXX XXXX XXXX XXXX that are being reported to other bureaus. An incomplete file is an inaccurate file under the FCRA. You must conduct an investigation and correct this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : You report a balance of {$17000.00}. This amount conflicts with the balances reported by both TransUnion and Equifax. As the information is contradictory, it is by definition inaccurate and must be deleted from my file. 
* XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX  ) : You report a balance of {$560.00}. This account is unverifiable as it is not reported uniformly across all bureaus and its accuracy is disputed. Please delete this collection account. 
XXXX. Unauthorized Hard Inquiries : I did not authorize the hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. It must be removed immediately. 
Under the FCRA, you must complete your investigation within 30 days. I expect these items to be deleted and my personal information corrected. Please send a copy of my updated report to my current address. 
Sincerely, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate and Contradictory Information on Credit Report To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ). I require you to investigate and delete multiple accounts on my report that are misleading, contradictory, and inaccurate in violation of federal law. My proof of identity and address are enclosed. 
XXXX. Personal Information Correction : Please ensure my file correctly lists my current address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX and delete all other previous addresses listed on my report. 
XXXX. Disputed Accounts for Deletion : The FCRAs requirement for " maximum possible accuracy '' is not being met by your agency. The following items must be deleted : * XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : You report this collection account as " Open. '' Equifax reports this exact same account as " Closed. '' An account can not be both open and closed. This is a clear violation of the FCRA and this item must be removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : You report a balance of {$17000.00}. This conflicts with the amounts reported by Experian ( {$17000.00} ) and Equifax ( {$17000.00} ). All three can not be correct, therefore your reporting is inaccurate and must be deleted. 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : You report a balance of {$0.00} on this account. Experian and Equifax report a balance of {$2500.00}. Your reporting is demonstrably false and makes the entire entry unreliable. This inaccurate tradeline must be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : You report a balance of {$4300.00}. This is inconsistent with the balance of {$4300.00} reported by Equifax. This inaccuracy requires deletion. 
I expect a full reinvestigation and removal of these items within the 30-day period stipulated by the FCRA. Please provide me with a copy of my corrected credit report upon completion. 
Sincerely, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Deletion of Inaccurate and Unverified Account Information To Whom It XXXX Concern : I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) to dispute multiple, serious inaccuracies on my credit report. The information you are reporting is demonstrably false and must be removed. My identification and proof of address are enclosed. 

XXXX. Personal Information Correction : Please update my file to reflect my name as XXXX XXXX XXXX and remove all other aliases and name variations. Please also correct my current address to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX and delete all other addresses. 
XXXX. Disputed Accounts for Deletion : Your report contains blatant data errors and unverified information that is damaging my credit standing. The following must be deleted immediately : * XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : You report this collection account as " Closed. '' TransUnion reports this exact same account as " XXXX. '' This is a direct contradiction and therefore your information is inaccurate. This item, furnished by a debt collector in violation of the FDCPA and FCRA, must be deleted from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : You report a balance of {$17000.00}. This conflicts with the amounts reported by Experian ( {$17000.00} ) and TransUnion ( {$17000.00} ). As all three can not be correct, your reporting is inaccurate and must be deleted. 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : You report a balance of {$2500.00}, while TransUnion reports a balance of {$0.00}. This is a material contradiction that makes your reporting inaccurate and requires immediate deletion of this tradeline. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : You report a balance of {$4300.00}. This is inconsistent with the balance of {$4300.00} reported by TransUnion. This inaccuracy requires deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This collection account is not reported on my Experian credit file, which makes its verifiability questionable. You must delete this unsubstantiated derogatory mark. 

I demand a complete reinvestigation of these disputed items within 30 days. As these items are clearly inaccurate and unverified, I expect their permanent deletion and a copy of my corrected report sent to me as required by law. 

Sincerely, XXXX 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