Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX www.consumerfinance.gov/complaint/ Subject : Request for Removal of Negative and Inconsistent Accounts from Credit Reports To Whom It May Concern, I am writing to formally request the Consumer Financial Protection Bureaus ( CFPB ) assistance in resolving several discrepancies and inconsistencies present on my credit reports maintained by Experian, Equifax, and TransUnion. Despite my efforts to address these issues directly with the credit bureaus, the inaccuracies persist and are negatively affecting my credit score and financial standing. 

Summary of Disputed Accounts and Inconsistencies The following accounts reflect inaccurate, unverifiable, or inconsistent information : XXXX. XXXX XXXX XXXX Appears with balances of {$860.00} and {$260.00} on Equifax and TransUnion but is missing entirely from Experian. 
XXXX. XXXX XXXX Reported as charged-off across all three bureaus. However, payment history varies, and Experian shows dispute notes not reflected by the others. 
XXXX. XXXX XXXX Appears only on Experian as charged-off with {$1800.00} written off but is absent on Equifax and TransUnion. 
XXXX. XXXX XXXX Reported only on Experian as charged-off with a balance of {$670.00}. No mention of this account on Equifax or TransUnion. 
XXXX. XXXX XXXX XXXX Reported as closed on all three bureaus, but payment history and late payment details are inconsistent. 
XXXX. XXXX XXXX Inquiry Reported only on TransUnion as a hard inquiry but not listed on Experian or Equifax. 

Efforts to Resolve I have already filed formal disputes with Experian, Equifax, and TransUnion to request removal or correction of these accounts. However, I am dissatisfied with their responses, and the inaccuracies remain unresolved. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information in my credit file, and the credit bureaus are obligated to remove data that can not be substantiated. 

Requested Resolution I am requesting the CFPBs assistance in ensuring that the credit bureaus : 1. Remove all inaccurate and unverifiable negative accounts from my credit reports.

2. Provide written confirmation that these corrections have been made.

The inaccurate and inconsistent reporting of these accounts violates the FCRA and places an undue burden on me as a consumer. I am seeking your intervention to ensure compliance with federal law and to rectify these errors. 

Enclosed Documentation To support my case, I have attached : Copies of my credit reports from Experian, Equifax, and TransUnion with the disputed accounts highlighted. 
Copies of my dispute letters to the credit bureaus. 
Certified mail receipts and proof of delivery. 

I trust the CFPB will investigate this matter promptly and ensure the removal of these negative accounts. Thank you for your time and assistance in resolving these issues.

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