Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am filing this complaint because the companies listed above are furnishing inaccurate, inconsistent, and unverifiable information to Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( FCRA ). 

These accounts are being reported with contradictory statuses, balances, dates, account types, and bankruptcy notations across different credit bureaus, which is factually impossible for a single tradeline. Some accounts show as closed on one bureau and open on another, show {$0.00} balances while simultaneously reporting charge-offs or collections, or are labeled as included in bankruptcy despite no court documentation linking the accounts to any bankruptcy proceeding. 

Several of these accounts have already been deleted or corrected by one or more credit bureaus, proving that the information can not be consistently verified. Despite repeated disputes, the furnishers continue to report inaccurate data, demonstrating a failure to conduct a reasonable investigation and a failure to ensure maximum possible accuracy.

The companies have not provided any signed contracts, billing statements, charge-off ledgers, court-stamped bankruptcy schedules, or other legally required documentation to substantiate their reporting. Continuing to publish this contradictory and unverified information is damaging my credit profile and violates my consumer rights under 15 U.S.C. 1681e ( b ) and 1681s- XXXXXXXX XXXX Account NXXXX. XXXX I am submitting this complaint regarding XXXXXXXX XXXX continued furnishing of inaccurate and misleading information on my consumer credit reports. This account has been reported with contradictory and unverifiable information, including improper status coding and inaccurate remarks that are not supported by documentation. Despite my disputes, XXXXXXXX XXXX has failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) and has continued to report information that is not accurate or complete. The account has been reported inconsistently across credit bureaus, causing confusion and harm to my credit profile. XXXXXXXX XXXX has not provided any original contract, billing statements, or other competent evidence to substantiate the reported information. I am requesting that XXXXXXXX XXXX either fully verify this account with proper documentation or immediately correct or delete all inaccurate reporting in compliance with federal law. 

XXXX XXXX Account No. XXXX I am filing this complaint against XXXX XXXX for reporting inaccurate and unverifiable information regarding this account. The information being furnished is inconsistent with other credit reporting agencies and includes improper status and remarks that are not supported by any verifiable documentation. XXXX XXXX has failed to ensure maximum possible accuracy as required under FCRA 1681e ( b ) and has not conducted a reasonable reinvestigation following my disputes. No signed agreement, payment history, or court-verified documentation has been provided to support the negative or adverse reporting associated with this account. This inaccurate reporting has caused ongoing damage to my creditworthiness. I am requesting immediate correction or deletion of this account unless XXXX XXXX can provide full and proper verification as required by law. 

XXXX XXXX Account No. XXXX I am submitting this complaint regarding XXXX XXXX reporting of inaccurate and incomplete information on my consumer credit file. The account information being reported is unclear, inconsistent, and lacks proper verification. XXXX XXXX has failed to provide documentation validating the accuracy of the account, including any signed agreement or detailed account history. Despite my efforts to dispute the inaccuracies, the company has continued to furnish information that does not meet the FCRA requirement for accuracy and completeness. This reporting has negatively affected my credit standing and financial opportunities. I am requesting that XXXX XXXX either provide full documentation proving the accuracy of the account or remove all inaccurate information from my credit reports immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account No. XXXX I am filing this complaint against XXXXXXXX XXXX XXXX regarding the inaccurate reporting of this credit card account. The account has been reported with contradictory status information, improper remarks, and data that does not align across credit bureaus. XXXX XXXX has failed to conduct a reasonable investigation after receiving my disputes and has continued to report information that is not supported by verifiable evidence. No signed contract, detailed payment history, or legally sufficient documentation has been provided to justify the negative or derogatory reporting associated with this account. This continued inaccurate reporting violates my rights under the Fair Credit Reporting Act and has caused harm to my credit profile. I am requesting immediate correction or deletion of this account unless proper verification can be produced. 

XXXX XXXX XXXX Account No. XXXX I am submitting this complaint regarding XXXX XXXX XXXX continued reporting of inaccurate, contradictory, and unverifiable information. This account has been reported inconsistently across multiple credit bureaus, including conflicting account status and remarks that can not all be true at the same time. XXXX XXXX XXXX has failed to provide any court-stamped, contractual, or account-level documentation to substantiate the information being reported. Despite repeated disputes, the credit union has not conducted a reasonable investigation as required by the Fair Credit Reporting Act and has continued to publish information that is misleading and damaging. I am requesting that this account be immediately corrected or deleted unless XXXX XXXX XXXX can fully verify the accuracy of all reported data. 

XXXX Account No. XXXX I am filing this complaint against XXXX for the continued reporting of materially inaccurate and contradictory information on my credit reports. This account has been reported with conflicting statuses and remarks across credit bureaus, including information that is not supported by payment history or verifiable documentation. XXXX has failed to ensure maximum possible accuracy and has not provided any original agreement, charge-off documentation, or court-verified records to support the reporting. Despite multiple disputes, XXXX continues to furnish information that is misleading and harmful to my credit standing. This conduct violates the Fair Credit Reporting Act and has caused ongoing financial harm. I am requesting immediate deletion or correction of this account unless XXXX can provide full and proper verification as required by law.

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