Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXnFrom:\XXXX XXXXDate of Birth: XXXXnSSN: XXXX XXXX XXXX XXXX IL XXXX\nTo:\nExperian\XXXX XXXX XXXX TX XXXX\nRe: Formal Dispute of Inaccurate Accounts on Credit File\nPursuant to 15 U.S.C. 1681i  Fair Credit Reporting Act (FCRA)\nTo Whom It May Concern,\nI am formally disputing the accuracy of several accounts appearing on my Experian credit file. Under the FCRA, you are required to ensure all information is 100% accurate, verifiable, and complete. The following accounts contain errors and contradictions. Proof of these inaccuracies is attached.\n1 XXXX XXXX XXXX XXXX  Balance: XXXXnHigh Balance reported as XXXX while other bureaus show XXXXnDate of Last Activity reported as XXXX conflicting with other bureaus.\nDate Reported XXXX inconsistent with XXXXnCreditor Remarks listed as Customer disputed / loss by creditor, inconsistent with other bureaus.\nPayment history shows lates through XXXX XXXX not consistent with other reporting.\n2 XXXX   Account #XXXX  Balance: XXXXnHigh Balance reported as XXXX, while other bureaus report XXXX.\nDate of Last Activity reported as XXXX inconsistent with XXXXnDate Reported XXXX earlier than XXXX XXXX (possible re-aging issue across bureaus).\nCreditor Remarks listed as Purchased by another lender / loss by creditor, inconsistent with other bureaus.\nLast Payment reported as XXXX, inconsistent with XXXX.\nPayment history shows lates through XXXX, while XXXX does not show history.XXXX XXXX XXXX XXXX XXXX   Account #XXXX  Balance: XXXXnHigh Balance reported as XXXX while other bureaus show XXXX\nDate of Last Activity reported as XXXX  inconsistent with XXXX\nDate Reported XXXX conflicting with XXXX  XXXX.\nCreditor Type listed as Bank Credit Cards, while XXXX  reports Miscellaneous Finance.\nLast Payment reported as XXXX inconsistent with XXXX.\nPayment history shows lates through XXXX XXXX inconsistent with XXXX.\n4 XXXX XXXX XXXX   Account #XXXX   Balance: XXXX\nHigh Balance reported as XXXX while XXXX  shows XXXX  and XXXX  shows XXXX\nDate of Last Activity reported as XXXX inconsistent with XXXX\nDate Reported XXXX  inconsistent with XXXX  XXXX.\nCreditor Type listed as XXXX XXXX XXXX, inconsistent with XXXX\nCredit Limit reported as XXXX, inconsistent with XXXX  XXXX).\nPayment history inconsistent with XXXX.\n FCRA Demand\nUnder 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation. If you cannot resolve these factual inaccuracies with proper documentation, you must delete these accounts entirely.\nAdditionally, I demand that you provide:\nThe method of verification used for each account listed.\nThe name, title, and contact information of the individual who verified each account.\nConfirmation that these disputes were not processed solely through the automated e-OSCAR system, but reviewed by a live investigator.\nAttached are copies of my credit report highlighting these inaccuracies as proof.\nContinuing to report unverifiable or inconsistent information will be considered willful noncompliance under the FCRA and subject to damages under 15 U.S.C. 1681n.\nRequested Action\nConduct a full reinvestigation.\nProvide verification details and documentation.\nPermanently delete these accounts if they cannot be verified with complete accuracy.\nThis is a legal demand, not a request.\nSincerelyXXXX 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