Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding duplicate accounts, inaccurate information, and sham investigations being conducted by TransUnion and Experian. The creditor XXXX ( also reported as XXXX XXXX is reporting XXXX separate accounts on my credit file, even though these accounts represent the same debt. While XXXX has rightfully deleted these duplicate accounts, TransUnion and XXXX continue to report them and have failed to conduct proper investigations despite my disputes. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), and I am demanding the immediate deletion of these duplicate and inaccurate accounts from my credit report. 
Details of the XXXX and XXXX Accounts The creditor XXXX ( also reported as XXXX ) is reporting XXXX separate accounts on my credit file, even though these accounts represent the same debt. Below are the details of the accounts as reported by the credit bureaus : Account XXXX XXXX XXXX Account Number : XXXX  Account Type : Installment ( Unsecured Loan ) Account Status : Derogatory ( TransUnion )/ Paid ( Experian ) Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian ) Balance Reported : {$0.00} High Credit : {$2600.00} Payment Status : Collection/Charge-Off Last Reported : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Date of Last Payment : XX/XX/XXXX Comments : TransUnion : " Payment after charge off/collection. Dispute resolved ; customer disagrees. '' Experian : " Subscriber reports dispute resolved - consumer disagrees. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. Account legally paid in full for less than the full balance. '' Account 2 : XXXX XXXX XXXX XXXX XXXX  Account Type : Installment ( Partially Secured ) Account Status : Transferred Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian ) Balance Reported : {$0.00} High Credit : {$2600.00} Payment Status : Late 60 Days ( TransUnion ) / Late 90 Days ( Experian ) Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX Comments : TransUnion : " Transferred to another lender. '' Experian : " Transferred to another lender or claim purchased. '' Violations and Inaccuracies Duplicate Accounts : The creditor is reporting two separate accounts for the same debt, which is misleading and artificially inflates the number of accounts on my credit report. This violates the FCRA 's requirement for accurate reporting.

Inconsistent Account Status : For XXXX TransUnion reports the account as Derogatory, XXXX Experian reports it as Paid. This inconsistency creates confusion and undermines the accuracy of my credit report. 

Inconsistent Payment Status : FoXXXX XXXX, TransUnion reports XXXX account as Late 60 Days, while XXXX reports it as Late 90 Days. This inconsistency is misleading and inaccurate. 

Inconsistent Dates : The Date Opened, Last Reported, and Date Last Active are reported inconsistently across the bureaus for both accounts. 

Misleading Comments : The comments on both accounts are vague and do not provide clear or accurate information about the account 's status. 

Sham Investigations by TransUnion and Experian : Despite my disputes, TransUnion and Experian have failed to provide evidence of their investigations or explain how they resolved the disputes. Their investigations appear to be sham investigations, as they have not addressed the inaccuracies or provided any documentation to support their findings. 

XXXX XXXX XXXX : XXXX has rightfully deleted these duplicate accounts from my credit report, confirming that the accounts are indeed duplicates and should not be reported separately. 

Failure of Credit Bureaus to Investigate I have filed multiple disputes with TransUnion, Experian, and XXXX regarding the inaccuracies and duplicate reporting of these accounts. However, TransUnion and Experian have : Failed to Provide Evidence of Investigation : They have not provided any documentation or proof of how their investigations were conducted. 

Failed to Correct Inaccuracies : Despite my disputes, the accounts remain on my credit report with the same inaccuracies. 

Conducted Sham Investigations : Their investigations appear to be superficial and do not comply with the FCRA 's requirement for a reasonable investigation. 

Violations Identified Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies and creditors to ensure the accuracy and fairness of the information they report. The duplicate accounts, inconsistencies, inaccuracies, and failure to investigate violate this requirement. 

Failure to Provide Proof of Investigation : TransUnion and Experian have not provided any evidence of their investigations, which is a violation of my rights under the FCRA. 

Sham Investigations : The lack of proper investigation by TransUnion and Experian constitutes a violation of the FCRA 's requirement for a reasonable and thorough investigation.

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