Consumer complaint received 2025-09-14 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 under the Fair Credit Reporting Act because the following accounts are being reported on my Experian and Equifax credit reports with material inaccuracies, internal contradictions, and incomplete/unverifiable information. I request that the CFPB direct the credit reporting agencies to delete these items from my credit reports. 

Below are the accounts and the specific inaccuracies : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date opened : XX/XX/XXXX. Reported status : Foreclosed ( listed Foreclosure as of XX/XX/XXXX ). 

Payment history and status fields are internally inconsistent and chronologically impossible ( for example the payment-history block shows 180 days past due as of XX/XX/XXXX to XX/XX/XXXX, and separate entries list XXXX day delinquencies in an order that does not make chronological sense ). 

Report shows no current balance ( listed as - ) while also listing an original balance of {$17000.00} these fields conflict and prevent meaningful verification. 

Because the reporting contains contradictory dates/statuses and missing balance details, the information is not reliable or verifiable. I request deletion unless the furnisher can provide clear, consistent, and dated documentation proving the accuracy of every disputed data element. 

XXXX XXXX SVCS Account # : XXXX Date opened reported as XX/XX/XXXX. XXXX reported {$3700.00} ( balance updated XX/XX/XXXX ). Status updated shows XX/XX/XXXX in one field while payment-history indicates collection activity spanning XXXX XXXX. 

Reporting lists multiple overlapping collection markers ( e.g., Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX ) that conflict with the purported date opened and with each other. 

These inconsistent dates and status updates make the debt unverifiable. Please require the furnisher to produce original account documentation ( signed contract, charge-off/assignment documentation ) showing date of default, original creditor, chain of assignment, and accurate balance. If the furnisher can not produce clear documentation that reconciles these contradictions, delete this collection entry from my files. 

XXXX XXXX XXXX  / Installment Account # : XXXX ( closed ) Date opened : XX/XX/XXXX. Report shows the account is closed but contains contradictory fields : Paid off - ( dash ) yet a XXXX of {$9300.00} updated XX/XX/XXXX ; XXXX balance - ( blank ) ; and a payment-history summary that repeats CO across many months ( unclear/ambiguous ). The record also indicates XXXX potentially negative months, which conflicts with the closed/paid indicators. 

The account lacks clear, consistent balance information and supporting documentation. Because the report contains mutually inconsistent status and balance data, it is not accurate or verifiable. I request deletion of this account from my credit report Included is proof directly from my credit report along with my Driver license for verification

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