Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Website : XXXX : XXXX Subject : Formal Complaint Duplicate and Inaccurate Collection Entries and Consumer Report Errors Dear CFPB Representative, I am filing this complaint to address multiple inaccuracies and duplicate collection accounts appearing on my credit reports, as well as incorrect address and personal data issues being reported by Experian. These errors have resulted in unfair negative impacts on my XXXX XXXX and financial opportunities. 

Despite prior disputes, the following items remain unresolved : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( {$2200.00} ) This company is reporting a collection account originally from XXXX XXXX, which also appears under another furnisher, XXXX XXXX XXXX XXXX, with a different balance. 

This duplication violates FCRA 605 ( b ) and 623 ( a ) ( 2 ) as it represents unverifiable and misleading data. 
Requested Action : Remove or validate the original account ; eliminate any duplicate entries. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$430.00} ) This account mirrors the XXXX XXXX XXXX entry but still lists a balance despite being marked Paid, Closed. 

Requested Action : Correct to reflect XXXX {$0.00} Balance and remove from active collections. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account The account shows multiple late payments during XXXX, although the account was closed and paid in full in XX/XX/XXXX. 

Requested Action : Remove post-closure lates and correct to XXXX XXXX After XXXX. 

XXXX. Experian XXXX Flag and Personal Data Errors Experian has incorrectly flagged my XXXX, MD address ( XXXX XXXX XXXX XXXX ) as high-risk/fraudulent and is reporting multiple name and address variations. 

Requested Action : Remove the fraud flag and confirm this address as verified and legitimate. 
Consolidate personal information to reflect my correct name ( XXXX XXXX XXXX ) and current address ( XXXX, TX XXXX ). 

Relief Requested I request that the CFPB investigate these entities for FCRA and data-furnishing compliance violations, ensure accurate correction of my consumer file, and confirm removal of all duplicate or outdated entries. 

Attachments Credit report showing duplicate XXXX XXXX collections Proof of payment on XXXX XXXX account Credit report showing XXXX XXXX after closure Experian report showing fraud flag and personal info variations Copy of my government-issued ID Thank you for your continued protection of consumers and for ensuring that the integrity of credit reporting remains fair and lawful. Please confirm receipt of this complaint and provide an update on the outcome of your review. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : ( 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