Consumer complaint received 2025-12-02 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: NV

Complaint narrative:
I am writing to formally dispute the XXXX XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$4000.00} on my Equifax credit report * *. Upon thorough review of the reporting, it is evident that this account contains serious inaccuracies, misrepresentations, and unverifiable information that are directly harming my creditworthiness, misrepresenting my payment history, and causing substantial financial, emotional, and professional stress. I have never authorized the reported balance, nor have I verified it as accurate. Despite multiple attempts to resolve this matter directly with XXXX XXXX XXXX XXXX, I have encountered conflicting information, discrepancies in their accounting records, and inconsistencies in reporting, all of which have yet to be properly reconciled. Nonetheless, your bureau continues to report this account as a verified debt in a delinquent status. This ongoing misreporting is unacceptable, misleading, and in direct violation of FCRA 607 ( b ), which mandates that credit reporting agencies must maintain the maximum possible accuracy in all consumer reporting. The continued presence of this erroneous information on my credit file is causing me measurable harm and demonstrates a reckless disregard for federal reporting obligations. 
The reporting of this account is particularly egregious because the balance listed does not match the documented payments I have made, nor the official statements issued by XXXX XXXX XXXX XXXX. I have consistently made timely payments as evidenced by my bank statements and XXXX XXXX  own records. Despite providing proof of these payments in previous disputes, the bureau has failed to correct or reconcile the account. This represents a clear failure in verification and indicates a pattern of systemic reporting errors that have been ignored, leaving my credit profile inaccurately reflecting delinquency. Under FCRA 611 ( a ) ( 1 ), I am entitled to a full, thorough, and documented reinvestigation of any disputed information, including obtaining original contracts, detailed payment histories, and verification from the furnisher that demonstrates the accuracy of every charge and balance. Any portion of this account that can not be fully substantiated with documentation must be permanently deleted from my credit file. The continued reporting of this inaccurate information is not only illegal but also recklessly negligent, causing tangible harm to my ability to obtain credit, finance major purchases, and access favorable lending terms.

Furthermore, the failure to correct this account despite multiple prior disputes violates FCRA 611 ( a ) ( 6 ), which requires that consumers receive written confirmation of the results of any reinvestigation, including corrections or deletions of inaccurate information. Your bureaus continued reporting of this account as delinquent, despite clear evidence to the contrary, constitutes a reckless, negligent, and damaging practice that undermines my financial reputation and may subject your organization to additional legal liability. I am therefore demanding immediate action : either provide verified, original documentation proving the accuracy of this account, or delete it entirely from all three credit reports, Equifax, Experian, and XXXX. I also demand written confirmation of the results of this reinvestigation and updated credit reports reflecting the permanent removal or accurate correction of this account. Failure to comply with these requirements will leave me with no choice but to escalate this matter, including filing formal complaints with federal and state consumer protection authorities and pursuing legal remedies to recover damages caused by your continued inaccurate reporting, which has caused both financial and emotional harm.

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