Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
XXXX how your letter breaks cleanly into XXXX sections for the CFPB complaint form XXXX for the Complaint ( the problem ) and XXXX for the Requested Resolution ( what youre demanding ). 

You can copy these directly into the CFPB form boxes. 



COMPLAINT I am disputing Experians continued reporting of several accounts that contain inaccurate, inconsistent, or unverifiable information. Multiple furnishers are providing data that conflicts internally or with other tradelines, and some XXXX are reporting without producing any validation or ownership documentation. 

I am requesting that Experian and the CFPB review each furnishers reporting practices under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC ). 

XXXX XXXX XXXX XXXX XXXX XXXX Duplicate accounts with different balances and open dates both marked as charged off and closed. Re-aged delinquency and missing disputed notation.

Violations : FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), 623 ( a ) ( 2 ), 623 ( a ) ( 3 ) ; FDCPA 807 ( 8 ) ; UCC 9-210, 9-404. 

XXXX XXXX XXXX XXXX ( XXXX tradelines ) XXXX loan shown charged-off/sold with no successor ; credit-card line re-aged after closure. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 611 ( a ) ( 5 ) ; FDCPA 809 ( b ) ; UCC 9-404 ( a ). 

XXXX / XXXX Bank ( secured card ) Reported charged off {$110.00} although payment history is positive ; dates re-aged past closure. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ; FDCPA 807 ( 2 ) ( A ) ; UCC 9-210 ( b ). 

XXXX XXXX Bank XXXX account shows an unsupported XXXX late in XX/XX/2022. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ). 

XXXX XXXX XXXX Account marked XXXX XXXX, but payment grid shows late marks. 
Violations : FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan reported twice with conflicting balances ( {$34000.00} vs {$11000.00} ) ; no proof of transfer. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) ; FDCPA 807 ( 2 ) ( A ), 808 ( 1 ) ; UCC 9-404, 9-210. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan reported by XXXX furnishers with inconsistent charge-off amounts and no assignment record. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), 607 ( b ), 611 ( a ) ( 5 ) ; UCC 9-404. 

XXXX XXXX ( XXXX tradelines ) XXXX collections ( {$740.00} and {$2400.00} ) for the same creditor under different agencies; conflicting open/closed statuses and no ownership disclosure. 
Violations : FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( B ) ; FDCPA 807 ( 8 ) ; UCC 9-210, 9-404. 

These entries reflect systemic failures of accuracy, proper ownership documentation, and lawful validation. Many appear re-aged, duplicated, or reported by entities lacking standing under UCC Article 9.

REQUESTED RESOLUTION 1. Require each furnisher and Experian to provide complete account-level documentation for every disputed tradeline, including : Original signed contracts and agreements.

Full payment and transaction histories.

Itemized accounting of principal, interest, and fees.

All assignment and sale documents showing the lawful chain of title under UCC 9-404.

2. If any furnisher can not produce authenticated proof of ownership, accuracy, and legal right to report, direct Experian to delete or suppress those accounts under FCRA 611 ( a ) ( 5 ).

3. Require written legal justification from each furnisher for every violation and inconsistency identified above before any tradeline remains on file.

4. Ensure that all furnishers mark these accounts as in dispute during reinvestigation as required by FCRA 623 ( a ) ( 3 ).

5. If validation and justification are not provided within XXXX  days, remove the affected tradelines and confirm deletion in writing. 

Respectfully submitted, XXXX XXXX XXXX, IL XXXX ( Date ) This split format matches XXXX structure : Paste everything under Complaint into the What happened? box. 
Paste the XXXX section into XXXX would you like the company to do to resolve your issue? 

Would you like me to make a condensed XXXX summary version too ( for the CFPBs short description field at the top )?

Company response to consumer: Closed with explanation