Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
Dear Federal Trade Commission, I am writing to file a formal complaint against Equifax, TransUnion, and Experian for their failure to comply with federal consumer protection lawsspecifically the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Identity Theft and Assumption Deterrence Act. 

Key Violations and Discrepancies Identified : XXXX XXXX ( XXXX ) Equifax : Not reported TransUnion : {$7500.00}, marked as collection and disputed Experian : {$7500.00}, marked as unpaid collection and disputed - Violates FCRA 1681i ( failure to investigate ), This account has been updated by XXXX and have agreed to remove the tradeline in its totality XXXX  XXXX Account ( Ending in XXXX ) Equifax : Pays As Agreed {$2500.00} TransUnion : Current {$2500.00} Experian : Open, but shows delinquencies from XXXX - Violates FCRA 1681e ( b ) ( accuracy requirement ) and 1681i ( dispute process ) Same account, different histories and risk ratings reported across bureaus. 

XXXX XXXX Account ( Ending in XXXX ) Equifax : Pays As Agreed {$3800.00} TransUnion : Open {$3800.00} Experian : Open with past-due notations from XXXX - Violates FCRA 1681e ( b ) and 1681i. 

No late payment data appears in Equifax or TransUnion for this period. 

XXXX XXXX ( Account Ending in XXXX ) Equifax : Pays As Agreed {$560.00} TransUnion : Not reported Experian : Open {$560.00} - Violates FCRA 1681e ( b ) ( completeness and consistency ) and 1681i. 

Missing from TransUnion, suggesting incomplete reporting. 


XXXX XXXX  XXXX ( Account Ending in XXXX ) Equifax : Not reported TransUnion : Closed and Paid Experian : Closed, but marked with 30/60/90-day late payments prior to closure - Violates FCRA 1681e ( b ) and 1681i. 

Conflicting payment history and risk indication. 

Other Notable Entries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Reported only by Experian with no record in the other bureaus Potential data mismatch or incorrect reporting sources. 

. XXXX XXXX ( Account Ending in XXXX ) - Equifax : Paid charge-off {$4400.00} written off - TransUnion : XXXX for less than full balance, closed in XXXX - Experian : Paid in settlement, charge-off date listed as XXXX [ ] The reporting differs across all three bureaus, particularly in charge-off dates and terminology, which may impact scoring models and creditworthiness.

- Violates FCRA 1681c ( reporting limits ), 1681e ( b ), and 1681i.

Legal Basis for Complaint : FCRA ( 15 U.S.C. 1681 et seq. ) : Requires consumer reporting agencies to investigate disputes within 30 days and ensure the accuracy of all information they maintain.

FACTA : Allows consumers to request fraud alerts and dispute incorrect information.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) : Makes it a federal crime to knowingly transfer or use identifying information without lawful authority.

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