Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Regarding previously filed CFPB Dispute : COMPLAINT ID XXXX submitted on XX/XX/year>, Experian closed XXXX my dispute on XX/XX/year> citing there is an unauthorized third party and that my dispute lists someone the company does not recognize as their customer or their customers authorized representative. 

This is completely false and nothing more than a stall tactic. I do not have an authorized representative and am filing this dispute on my own accord. 

I here enclose the following Identity Verification documents : - a copy of my Drivers License : XXXX Drivers License -a copy of my utility bill : XXXX XXXX XXXX Once again, per the Experian Dispute Results of XX/XX/year>, Report XXXX XXXXXXXX, this report still shows multiple accounts being misreported. 
XXXX enclosed supporting documentation from my XXXX Credit Report dated XX/XX/year>, still listing various inaccuracies among all XXXX agencies. 

XXXX ) XXXX  with Acct XXXX XXXXXXXX Experian dispute result outcome : Verified and Updated Furnisher reports that they have written off the balance as a loss but continues to report it to the credit bureaus. If this is the case, the creditor would have also had to report this to the IRS and should have sent me tax XXXX ( cancellation of debt ). Because I have never received the proper tax documentation, this account is inaccurate and must be removed. 
Inconsistencies found across all XXXX bureaus : date closed payment history date of last activity Experian has failed to correct this inaccurate information and is knowingly reporting incorrect data and violating multiple laws. 

Laws that have been violated : XXXX ) FCRA Section 611 : the right to dispute any inaccurate or incomplete information XXXX  ) FCRA Section 607 ( b ) : requires data to be maximally accurate XXXX  ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) Fair and Accurate Credit Transactions Act ( FACTA ) : the right to receive and review all consumer report data maintained by a data furnisher & must be correct & complete XXXX  ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX XXXX XXXX XXXX with Acct XXXX XXXXXXXX Experian dispute result outcome : Updated Furnisher reports that they have written off the balance as a loss but continues to report it to the credit bureaus. If this is the case, the creditor would have also had to report this to the IRS and should have sent me tax XXXX ( cancellation of debt ). Because I have never received the proper tax documentation, this account is inaccurate and must be removed. 
Inconsistencies found across all XXXX bureaus : date closed payment history date of last activity Experian has failed to correct this inaccurate information and is knowingly reporting incorrect data and violating multiple laws. 

Laws that have been violated : XXXX ) FCRA Section 611 : the right to dispute any inaccurate or incomplete information XXXX ) FCRA Section 607 ( b ) : requires data to be maximally accurate XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) Fair and Accurate Credit Transactions Act ( FACTA ) : the right to receive and review all consumer report data maintained by a data furnisher & must be correct & complete XXXX  ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX with Acct XXXX XXXXXXXX Experian dispute result outcome : Verified and Updated XXXX reports that they have written off the balance as a loss but continues to report it to the credit bureaus. If this is the case, the creditor would have also had to report this to the IRS and should have sent me tax XXXX ( cancellation of debt ). Because I have never received the proper tax documentation, this account is inaccurate and must be removed. 
Inconsistencies found across all XXXX bureaus : date closed payment history date of last activity Experian has failed to correct this inaccurate information and is knowingly reporting incorrect data and violating multiple laws. 

Laws that have been violated : XXXX ) FCRA Section 611 : the right to dispute any inaccurate or incomplete information XXXX ) FCRA Section 607 ( b ) : requires data to be maximally accurate XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) Fair and Accurate Credit Transactions Act ( FACTA ) : the right to receive and review all consumer report data maintained by a data furnisher & must be correct & complete XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX XXXX with Acct XXXX XXXXXXXX Experian dispute result outcome : Verified and Updated Because IL is a state of Judicial Foreclosure, all foreclosures must be filed through the court system & are considered Public Record. 
No Public Record has ever been reported, as well as the payment history, date of last activity and closed date are all inconsistent across all XXXX credit bureaus. 
This account is inaccurate, unverifiable and must be removed immediately. 
Laws that have been violated : XXXX ) FCRA Section 611 : the right to dispute any inaccurate or incomplete information XXXX ) FCRA Section 607 ( b ) : requires data to be maximally accurate XXXX ) FCRA Section 623 : requires furnishers to update or delete data that can not be verified XXXX ) FCRA 1681i : They have to investigate XXXX ) FCRA 1681i ( a ) ( XXXX ). They have to provide a detailed scope of the method of investigation XXXX ) Fair and Accurate Credit Transactions Act ( FACTA ) : the right to receive and review all consumer report data maintained by a data furnisher & must be correct & complete XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX XXXX with Acct XXXX XXXXXXXX Experian dispute result outcome : Verified and Updated -This item was purchased by a XXXX-XXXX debt collector. 
-The account was paid for at an amount less than owed by the XXXX-XXXX debt collector thus currently reported amount owed is not correct. 
-How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amount. 

Inconsistencies found across all XXXX bureaus : date closed creditor type payment history date of last activity Laws being violated : XXXX ) FCRA section 611 gives consumers the rights to dispute any item thats inaccurate, outdated, incomplete, or unverifiable. 
XXXX ) FCRA Section 607 ( b ) requires that credit bureaus maintain maximum possible accuracy according XXXX ) FDCPA : Section 609 requires debt collectors to provide validation of a debt if requested. They can not continue reporting a debt if they fail to validate it XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX XXXX with Acct XXXX XXXXXXXX Experian dispute result outcome : Remains -This item was purchased by a XXXX debt collector. 
-The account was paid for at an amount less than owed by the XXXX debt collector thus currently reported amount owed is not correct. 
-How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amount. 

Inconsistencies found across all XXXX bureaus : date closed creditor type payment history date of last activity Laws being violated : XXXX ) FCRA section 611 gives consumers the rights to dispute any item thats inaccurate, outdated, incomplete, or unverifiable. 
XXXX ) FCRA Section 607 ( b ) requires that credit bureaus maintain maximum possible accuracy according XXXX ) FDCPA : Section 609 requires debt collectors to provide validation of a debt if requested. They can not continue reporting a debt if they fail to validate it XXXX ) USC Codes : -15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report -15 USC 1681i ( 5 ) : Treatment of inaccurate or unverifiable information -15 USC 1681i ( 7 ) : Description of reinvestigation procedure This is a clear violation of the FCRA as this account is not accurate or complete, therefore it must be deleted immediately. 

XXXX ) XXXX XXXX  with Acct XXXX XXXXXXXX Experian dispute result outcome : Verified and Updated -This account is reporting inconsistent payment histories and payments statuses across all XXXX bureaus. 
-Every late payment must be tied to a specific due date and delinquency date, yet only reports as XXXX, XXXX, or XXXX  days late with no actual date attached to it. 
-Payment history grid is inaccurate : the month-by-month grids conflicts with the account summary/payment status -inconsistent status codes : reporting pays as agreed, but also shows late payments, this is contradictory. Status codes MUST match the payment history exactly. 
Laws being violated : -FCRA Section 611 : gives you the right to dispute any item on a credit report -FCRA Section 607 ( b ) : mandates maximum possible accuracy in all reported data -FCRA Section 623 : applies to Furnishers who report data to the bureaus. They are required to update or delete inaccurate information promptly -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report This is a clear violation of the FCRA as this account is NOT accurate or complete, therefore the Negative Reporting status must be deleted immediately. 

XXXX ) XXXX XXXX  Acct XXXX XXXXXXXX Experian dispute result outcome : Updated -This account is reporting inconsistent payment histories and payments statuses across all XXXX bureaus. 
-Every late payment must be tied to a specific due date and delinquency date, yet only reports as XXXX, XXXX, or 90 days late with no actual date attached to it. 
-Payment history grid is inaccurate : the month-by-month grids conflicts with the account summary/payment status. 
-Inconsistent status codes : reporting pays as agreed, but also shows late payments, this is contradictory. Status codes MUST match the payment history exactly. 
Laws being violated : -FCRA Section 611 : gives you the right to dispute any item on a credit report -FCRA Section 607 ( b ) : mandates maximum possible accuracy in all reported data -FCRA Section 623 : applies to Furnishers who report data to the bureaus. They are required to update or delete inaccurate information promptly -15 USC 1681e ( b ) : Compliance procedures : Accuracy of report This is a clear violation of the FCRA as this account is NOT accurate or complete, therefore the Negative Reporting status must be deleted immediately. 


The timeframe Experian has been allotted to conduct a reasonable investigation is now over and because they have violated my consumer protection rights, by law, CFPB must hold them accountable. 
Failure of Experian to delete and remove the negative reporting statuses on the aforementioned accounts, will result in legal action being taken. 

Sincerely, 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