Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing XXXX XXXX XXXX Account which may also be known as XXXXXXXX XXXX or XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXK N A ). I believe XXXX XXXX XXXX Account is violating FDCPA 1692g ( a ) and FCRA 607 ( b ), FCRA 1681s-2 ( b ), FCRA 1681i ( a ) ( 5 ) and FCRA 1681c ( a ) ( 4 ), FCRA 1681e ( b ).

I disputed this account back in May when the account first appeared on my credit report. It was originally listed as XXXX XXXX XXXX. The Experian Dispute Report Number is XXXX and was generated on XX/XX/XXXX. It shows several deletions for XXXX XXXX XXXX XXXXhen an update listing XXXX XXXX as the creditor with an updated open date of XX/XX/XXXX. 


This same debt was previously listed under XXXX XXXX XXXX and was deleted by Experian. Then updated to XXXX XXXX with a new open date of XX/XX/XXXX. That feels like a backdoor reinsertion, which violates FCRA 1681i ( a ) ( 5 ) unless it was certified and sent notification within 5 dayswhich I never received. 


XXXX XXXX XXXX consistently appears to report misleading and inconsistent information. The reporting is different across several credit reporting agencies. It reports as XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) on TransUnion with an open date of XX/XX/XXXX. Then it reports as XXXX XXXX XXXX on Experian with an open date of XX/XX/XXXX. Both accounts have the same account number. The Account type reports to one agency as " Unknown credit extension, review, or collection. '' Then to another agency as Collection. Which one is it? There is no payment history or last payment date, yet its been marked Charge-Off for months. It shows a {$0.00} credit limit next to an {$830.00} balance which has not been validated or confirmed. 


XXXX XXXX has also attempted to re-age the debt and has listed the debt twice using different variations of its name with different variations of the open date. This is a violation FCRA 1681c ( a ) ( 4 ). XXXX XXXX is attempting to extend this account beyond the legal limit. 


These conflicting names, statuses, activity dates, and account remarks indicate gross inconsistencies and a clear failure to report accurate and verifiable information in accordance with FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. XXXX XXXX XXXX is required to follow reasonable procedures to ensure maximum possible accuracy. Reporting different variations of its name, and reporting an account that another major bureau has removed fails this standard. 


To date, I have not received any written notice regarding the alleged debt from XXXX XXXX XXXX and/or XXXX XXXX XXXX or its alias. This violates the debt validation requirements of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( a ). Since XXXX XXXX XXXX has reported this to several credit reporting agencies with several different variations of its name without first validating the debt, XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

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