Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Statement for CFPB Complaint Submission Subject : Ongoing FCRA Violations & Failure to Correct Inaccurate Credit Reporting To Whom It May Concern, I am filing this complaint against TransUnion, Experian, and XXXX for their continued failure to correct inaccurate and unverifiable information on my credit report, despite my multiple disputes over the past several months. Their repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) have caused significant harm to my financial standing, and I am seeking immediate intervention from the Consumer Financial Protection Bureau ( CFPB ).

Details of My Dispute Attempts & Bureau Violations I have disputed the same inaccurate charge-off accountallegedly from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX times across all three major credit bureaus. Each time, the bureaus have either : Failed to conduct a proper investigation ( a violation of FCRA 1681i ), Failed to provide any documentation proving the account is valid, or Provided conflicting and inaccurate reporting across the bureaus, proving the data is unreliable and should not be on my credit file. 
Major Reporting Errors & Violations Conflicting last activity dates : Experian lists XX/XX/XXXX, while TransUnion and XXXX XXXX XX/XX/XXXX. A last activity date must be consistent across all bureaus. 
Inconsistent account status : Experian lists the account as CLOSED, while TransUnion and Equifax list it as XXXX is a clear reporting inaccuracy. 
Incorrect original creditor name : XXXX bureau lists " XXXX XXXX XXXX XXXX', while another lists " XXXX XXXX XXXX XXXX', raising concerns about whether this debt is even legitimate. 
Failure to verify : I have requested verification of this account multiple times, and none of the bureaus have provided legally required proof of the validity of this debt. 
My Legal Standing & Pending Lawsuits Against Credit Bureaus Due to these continuous violations of my rights under FCRA 1681n, I believe I am a victim in the ongoing lawsuits against the credit bureaus for their willful noncompliance. Their refusal to correct these errors after multiple disputes is a deliberate act of negligence, and they should be held legally accountable for the damages they have caused me. 

My Request for CFPB Intervention I am requesting that the CFPB take immediate action by : Ordering TransUnion, Experian, and XXXX to immediately delete this unverifiable and inaccurate charge-off account from my credit report. 
Investigating these bureaus for failing to conduct proper reinvestigations under the FCRA. 
Ensuring compliance with federal consumer protection laws so that consumers like myself are not continuously harmed by their reckless reporting practices. 
The credit bureaus have had more than enough time to correct their errors, yet they continue to violate federal law and harm consumers. If they fail to comply, I will have no choice but to pursue legal action against them for their willful violations of my rights. 

I expect a timely resolution to this matter, as the ongoing reporting of false and unverifiable information has caused damage to my financial reputation. Thank you for your prompt attention to this complaint.

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