Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint against Experian Information Solutions , Inc. for : ( 1 ) reporting inaccurate and internally inconsistent information on my consumer file ; and ( 2 ) failing to conduct a reasonable reinvestigation and disclose the method of verification as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i. On XX/XX/XXXX, I reviewed my Experian reports and identified multiple tradelines with conflicting dates, statuses, and amounts. My disputes did not result in accurate corrections, and Experian did not provide a transparent method of verification. 


Disputed tradelines and issues : XXXX XXXX XXXX ( Acct ending XXXX ) Reported facts ( Experian ) : Opened XXXX ; status Open ; balance ~ {$140000.00} ; payment status XXXX ; derogatory history including XXXX ; Times XX/XX/XXXX Days Late : XX/XX/XXXX ; Date Reported XXXX ; XXXX XXXX. 


Issue : Internally inconsistent derogatory coding ( including severe delinquencies ) with no clear, documented support ; fields conflict and risk misleading users of the report. 
Requested relief : Remove inaccurate derogatory codes and correct all fields to fully accurate valuesor delete if unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX Acct ending XXXX ) Reported facts : Status CollectionOrChargeOff ; balance ~ {$62000.00} ; Opened XXXX ; XXXX XXXX ; Last Verified XXXX. 


Issue : Charge-off/collection status, dates, and amount are inaccurate/misleading ; Experian did not provide a proper method of verification. 
Requested relief : Delete or correct to accurate, verified data ; remove unsupported derogatory coding. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX ) Reported facts : Status CollectionOrChargeOff ; balance ~ {$7000.00} ; credit limit {$7100.00} ; Opened XXXX ; XXXX XXXX ; Last Verified XXXX. 




Issue : Inaccurate charge-off designation/dates ; no adequate method-of-verification disclosure. 
Requested relief : Correct or delete ; remove unsupported derogatory codes. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) ( Acct XXXX ) Reported facts : Status CollectionOrChargeOff ; balance ~ {$2400.00} ; Opened XXXX ; XXXX XXXX ; Date Reported XXXX ; Loan Type : CollectionAttorney. 



Issue : Dates/characterization raise accuracy concerns ; method of verification not provided. 
Requested relief : Delete if unverifiable or correct all fields to accurate, non-misleading values. 

XXXX XXXX ( Acct XXXX ) Reported facts : Revolving account ; status CollectionOrChargeOff ; balance ~ {$1400.00} ; credit limit {$1000.00} ; Opened XXXX ; XXXX XXXX ; Date Reported/Verified XXXX. 



Issue : Amount/status/dates are inaccurate or unsupported ; method-of-verification not disclosed. 
Requested relief : Delete or correct with documented verification. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Reported facts : Amount {$720.00} ; status CollectionOrChargeOff ; Opened XXXX ; XXXX XXXX ; Last Verified XXXX ; Loan Type : FactoringCompanyAccount. 



Issue : Misleading factoring company account classification for a consumer credit card debt ; dates/amount require competent verification ; none provided. 
Requested relief : Delete the tradeline or correct non-misleading fields with full verification. 

XXXX XXXX ( Acct XXXX ) Reported facts : Status CollectionOrChargeOff ; balance ~ {$64.00} ; Opened XXXX ; XXXX XXXX ; Last Verified XXXX ; Loan Type MobilePhone. 




Issue : Derogatory status and dates are disputed ; method-of-verification not provided. 
Requested relief : Remove unsupported derogatory reporting or correct to fully verified information.

Legal concerns : 15 U.S.C. 1681e ( b ) requires CRAs to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation and, upon request, disclosure of the method of verification ( furnishers contacted and documents reviewed ).

Information that is incomplete or misleading must be co
rrected or deleted ; any reinserted data requires notices per 1681i ( a ) ( 5 ).

These inaccuracies depress my scores and impair access to credit, housing, insurance, and employment, creating a misleading picture of my creditworthiness.

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