Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Companies Involved : XXXX XXXX ( furnisher ) TransUnion Experian Equifax Account in Question : XXXX XXXX reporting false late payments Summary of the Issue For nearly a year, XXXX XXXX has been reporting late payments on my credit profile that do not belong to me. I have disputed this over five times, sent certified mail, and even filed a previous CFPB complaint, yet nothing has been corrected. Instead of investigating or removing the inaccurate account, the credit bureaus and XXXX XXXX continue to circulate and publish false information about me. 
I have fulfilled every legal requirement under the Fair Credit Reporting Act ( FCRA ), but these organizations have either ignored my disputes, lied about their investigations, or admitted they took no action at all. At this point, I am demanding permanent deletion of the XXXX XXXX account from all credit bureaus due to ongoing negligence, failure to investigate, and willful noncompliance with federal law. 

Timeline of Events & Call Details TransUnion XX/XX/2025 Representative : XXXX File Number : XXXX At first, she claimed no dispute existed on my account. 
I asked her to look it up because my certified mail slip wasnt in front of me. 
She claimed my last dispute was in XXXX, even though I mailed one at the beginning of XXXX. 
Once I provided the certified mail date ( XX/XX/XXXX ), she suddenly found it in the system. 
Then she changed her story again and claimed it was received in XXXX and already had results which is false because I never received any. 
This shows clear dishonesty and failure to perform a real investigation. 

Experian Call with Rep XXXX Confirmation # : XXXX I was told that when they received my dispute, they did not investigate it at all. 
I asked about their method of verification the representative admitted they do not have one. 
I wasted time, money, and still received no investigation despite being fully compliant with dispute procedures. 

Equifax Representative : XXXX Confirmation # : XXXX Told me to wait because investigations take time. 
No confirmation of dispute being processed, no timeline, no written results, nothing uploaded to my online dispute file. 

Federal Law Violations By XXXX XXXX ( Furnisher ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information it knows or should know is inaccurate.

623 ( a ) ( 2 ) : Failure to update or correct information after inaccuracies were reported.

623 ( b ) ( 1 ) : After being notified of disputes, they failed to reasonably investigate.

623 ( b ) ( 1 ) ( DE ) : Failure to delete or modify false reporting and notify bureaus.

By TransUnion, Equifax, Experian ( Credit Bureaus ) : 15 U.S.C. 1681i ( FCRA 611 ) : Failure to conduct a reasonable reinvestigation within 30 days.

611 ( a ) ( 2 ) : Failure to forward disputes to the furnisher in a timely manner.

611 ( a ) ( 6 ) : Failure to provide written results of investigations.

611 ( a ) ( 7 ) : Failure to provide method of verification ( Experian admitted they have none ).

609 ( a ) : Refusing to give complete and accurate credit file information.

616 / 617 : Willful and negligent noncompliance especially since this has been ongoing for nearly a year and after a previous CFPB complaint.

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