Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am submitting this complaint because I have spent years trying to correct inaccurate and incomplete information being reported by the three credit bureaus regarding my XXXX XXXX account. 
Experian Account Name XXXX XXXX XXXX  Account Number XXXX Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX Account XXXX I have disputed these errors multiple times and requested proper investigation, verification, and reinvestigation. Each time, the bureaus simply mark the information as verified, even though the reporting clearly does not match across Equifax, Experian, and TransUnion. 
These inaccuracies have been on my credit report for years, and they continue to damage my financial stability. At this point, due to the ongoing failure to correct the data, I am formally requesting that these inaccurate items be removed/deleted from my credit file. They failed to conduct a reasonable investigation into my consumer report and according to your posted guidelines that is a violation of the Fair Credit Reporting Act ( FCRA ) and unfair and deceptive acts or practices ( UDAAP ). 

Below are the specific issues that continue to go unresolved : Missing and incomplete data : Many months show no data reported at all, which is inaccurate and incomplete under the FCRA. 
XX/XX/XXXX : Equifax reports 30 days late, TransUnion reports 60 days late, and Experian correctly reports on time. If the bureaus receive the same information, these results should not conflict. 
XX/XX/XXXX : TransUnion reports the payment as on time, but Equifax and Experian show 30 days late. 
XX/XX/XXXX : Equifax reports 60 days late, while TransUnion and Experian show 30 days late. I can not be XXXX and 60 days late in the same month. 
XX/XX/XXXX : Experian and Equifax show 60 days late, while TransUnion shows 30 days late. Again, this is inconsistent and impossible. 
XX/XX/XXXX : Experian shows 60 days late, TransUnion reports 30 days late, and Equifax shows no data at all. 
XX/XX/XXXX : Equifax reports on time, while TransUnion and Experian report 60 days late. 
XX/XX/XXXX : Equifax and Experian show 30 days late, while TransUnion shows 60 days late. 
XX/XX/XXXX : Experian and Equifax correctly show on time, while TransUnion incorrectly reports 30 days late. 
These conflicting reports prove that the information is not accurate, complete, or consistent. Under the FCRA, the bureaus are required to report data that is accurate, verifiable, and consistent, and XXXX XXXX is required to furnish correct information. None of these standards are being met. 
After years of disputing these issues with no resolution, I am requesting that all inaccurate, inconsistent, and unverifiable information associated with this account be removed from my credit reports. 

I have attached screen shots from annual credit report.com

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