Consumer complaint received 2026-02-17 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: MD

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC regarding the continued reporting of two inaccurate and legally defective collection accounts and multiple incorrect personal identifiers on my consumer report. Despite prior disputes, Equifax continues to publish information that is internally inconsistent, unverifiable, and noncompliant with the Fair Credit Reporting Act.

The first account is XXXX  account number XXXX. This collection account reports a balance of XXXX and a past due amount of XXXX. It reflects a last activity date of XXXX XXXX XXXX, yet it also displays a recent start date of XXXX XXXX XXXX and a recent last reported date. These conflicting date fields strongly indicate improper re aging and inaccurate reporting. In addition, the original creditor is listed as unknown. Reporting a collection account without identifying the original creditor and without providing documented proof of a signed agreement or lawful assignment fails the maximum possible accuracy requirement under 15 USC 1681e b. After my disputes, Equifax has continued to verify this account without providing a proper method of verification as required under 15 USC 1681i a. 

The second account is XXXXXXXX XXXX XXXX XXXX  account number XXXX. This account reports a balance of XXXX and is marked as a negative collection. It lists the original creditor as unknown and reflects a date opened of XXXX XXXX XXXX while also showing a start date of XXXX XXXX XXXX and a recent last reported date. These inconsistencies raise serious concerns about compliance with XXXX XXXX standards and the FCRA. A consumer reporting agency can not legally publish a collection account that lacks a clearly identified original creditor and verified contractual obligation. Continued reporting after dispute without correcting these defects constitutes failure to conduct a reasonable reinvestigation under 15 USC 1681i and failure to ensure accuracy under 15 USC 1681e b.

In addition to the collection accounts, Equifax is reporting incorrect addresses that do not belong to me, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have never resided at these locations. Reporting inaccurate personal identifiers increases the risk of mixed file reporting and identity confusion. The presence of incorrect addresses calls into question the integrity of any alleged verification tied to the above collection accounts. Equifax has a statutory duty to maintain accurate identifying information and to correct inaccuracies after notice.

As a result of these violations, my credit profile has been damaged. I have experienced harm to my creditworthiness, loss of opportunities, and significant time and stress attempting to correct errors that should not exist. Equifax continues to rely on automated verification processes instead of conducting a meaningful and lawful reinvestigation.

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