Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
CFPB Feedback / Rebuttal Response RE : Continued Reporting of Inaccurate and Unverified Information XXXX Card Ending in 1944 CFPB Complaint No. : XXXX The response provided by Equifax does not resolve my complaint and fails to address the core factual inaccuracies and statutory violations previously identified. Equifax states that the account was verified and merely updated. However, this response confirms the exact issue being disputed : the continued modification and reporting of materially inconsistent information after prior verification attempts. Continued Violations and Concerns The account has reported contradictory balances and account data over multiple investigations. Equifax and the furnisher continue to modify fields including : * Closed Date * Scheduled Payment * High Credit * Additional Information without providing any competent documentary evidence supporting those changes. Despite repeated disputes, no documentation has been produced showing : A wet ink signature A signed consumer contract Original account-level verification records Complete transactional accounting Proof of lawful ownership and authority to collect Method of verification details required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Applicable Federal Violations The continued reporting and reinsertion of conflicting data may constitute violations of : FCRA 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. FCRA 15 U.S.C. 1681i Failure to conduct a lawful and reasonable reinvestigation. FCRA 15 U.S.C. 1681s-2 ( b ) Failure of furnisher to accurately investigate disputed information. FDCPA 15 U.S.C. 1692e False, deceptive, or misleading representations regarding alleged debt. TILA 15 U.S.C. 1601 et seq. Failure to provide clear and accurate disclosures establishing liability. Metro 2 Compliance Violations Conflicting account statuses, payment ratings, and balance reporting inconsistent with industry reporting standards. e-OSCAR Reliance Concerns Automated verification through e-OSCAR without independent investigation does not satisfy FCRA reinvestigation obligations. Material Reporting Contradictions The account has been reported at various times as : * Verified with a {$0.00} balance * Later updated to {$9300.00} * Closed * Charged-off * Continuing to update after dispute activity These contradictions demonstrate that at least one version of the reporting is inaccurate. A tradeline can not simultaneously satisfy the FCRA maximum possible accuracy standard while materially changing after verification without supporting evidence. Requested CFPB Resolution I respectfully request that the CFPB require the company and consumer reporting agencies to : Permanently delete the tradeline from all consumer reporting agencies Cease further reporting of unverifiable or inconsistent data Provide complete Method of Verification documentation Provide the identity of all furnishers and investigators involved Provide documentary proof establishing lawful liability and permissible purpose Notice of Potential Statutory Liability Please also note that continued noncompliance after repeated notice may expose the furnishers and consumer reporting agencies to statutory liability under : FCRA 1681n and 1681o FDCPA civil liability provisions Including statutory damages of up to : {$5000.00} per willful FCRA violation Additional actual, punitive, and attorney-fee related damages where applicable. I do not consider this matter resolved. The response provided was conclusory, lacked evidentiary support, and failed to cure the reporting inaccuracies identified throughout multiple rounds of disputes and CFPB complaints. Sincerely, XXXX XXXX XXXX

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