Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ssue Summary : I am filing this formal complaint against all three credit reporting agenciesExperian, Equifax, and TransUnionfor continued failure to investigate and correct multiple inaccurate, unverifiable, and duplicative derogatory tradelines on my credit reports. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and CFPB compliance guidelines.

Detailed Description of the Problem : Despite submitting disputes and requests for verification under FCRA 609 and 623, the credit bureaus have continued reporting multiple derogatory accounts without proper investigation, verification, or documentation. 
XXXX. XXXX XXXX XXXX Three collection accounts totaling over {$7000.00} No signed contract or original creditor documentation has been provided XXXX XXXX is reporting the same debts as charge-offs, resulting in duplicative and misleading reporting Possible re-aging and failure to provide breakdown of original balance vs fees/interest XXXX. XXXX XXXX XXXX Three collection accounts with missing or conflicting details Two stem from XXXXXXXX XXXX XXXX XXXX XXXX XXXX Payment history incomplete or missing No itemization of debt or proof of ownership XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX No documentation provided to prove debt ownership Data fields including Date of First Delinquency ( DOFD ) are missing Payment histories are inconsistent or unavailable No evidence of Metro 2 compliance 4. Charge-Offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off status continues to update with recent status dates, despite last activity being over 2 years ago XXXX, XXXX, and XXXX accounts appear to be re-aged in violation of FCRA 623 ( a ) ( 5 ) Multiple charge-offs are also reflected in active collection tradelines, creating duplicative derogatory reporting 5. Cross-Bureau Inconsistencies Equifax reports many of these accounts as closed, while Experian and TransUnion report them as active collections Inconsistent status reporting violates FCRA 1681e ( b ), which requires data furnishers to maintain maximum possible accuracy These differences materially affect my credit score and creditworthiness Violations Identified : FCRA 609 ( a ) ( 1 ) : Failure to provide access to all documentation relied upon to report account FCRA 623 ( a ) ( 1 ) : Reporting inaccurate and duplicative tradelines FCRA 623 ( b ) : Failure to conduct a lawful reinvestigation upon dispute FCRA 623 ( a ) ( 5 ) : Re-aging debts by updating status months or failing to report correct DOFD FCRA 1681e ( b ) : Failure to ensure accuracy of data across credit bureaus FDCPA 809 ( b ) : Debt buyers and collectors have not provided proper validation upon request

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