Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because an account on my credit report is being reported inaccurately, and it is causing me serious financial hardship. I have always tried to be responsible with my credit, and having an accurate credit report is extremely important to me. My credit score affects every part of my life from being able to qualify for reliable transportation, to securing stable housing, and even being approved for basic necessities. 

Because of the inaccurate information being reported, I have been struggling to get approved for things I genuinely need. Ive recently been denied for credit that would have helped me manage essential expenses, and Im feeling overwhelmed and helpless. This situation has put me under a lot of stress, and it feels unfair to be penalized for something that is not even correct. 

I exercise my legal right 15 U.S. Code 1681i to dispute this errored account. This account has errors and missing incomplete information that makes this account reporting inaccurately under FCRA law. Section 15 U.S. Code 1681i ( a ) ( 5 ) of the FCRA states you must update or DELETE inaccurate, incomplete or unverifiable information. 

I am asking for the CFPB to be involved in this process because this creditor has already failed to conduct a reasonable investigation into a consumer dispute. 

Experian, Equifax and XXXX XXXX XXXX shall delete this inaccurate account because it violates my rights under FCRA law. 

I have identified multiple errors and inconsistencies that require immediate correction under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$15000.00} Balance is Missing : This account shows as paid why this is still not updated to XXXX? 
Balance Updated is Missing This is paid off when was the balance updated?. 
Recent Payment is Missing When is the last time I made payment in this account? 
Highest Balance fields is Missing What is the highest balance in this account? 

The payment history for this account contains multiple MISSING entries. From XX/XX/XXXX to XX/XX/XXXX, the account is reported as current. Following this period, the report shows ND ( no data ), then suddenly C in XX/XX/XXXX, suggesting a collection status without clear progression.After reporting as a collection, the account again shows ND, then reports XXXX days late, and later displays Repossession.These contradictory and inconsistent entries do not form a logical timeline. XXXX is opn then collection and closed, then reopened again XX/XX/XXXX to XX/XX/XXXX are Missing. Reporting no data for XXXX and XX/XX/XXXX. 

If you choose not to delete this account, you MUST add the following consumer statement to this tradeline : Multiple months are reported as ND ( No Data ) in the Payment History. Because significant portions of the payment history are missing, the account is not accurately or fully reported, and these omissions create a materially misleading impression of the account holders credit behavior. The missing ND entries jeopardize the integrity of this accounts data and can materially affect the consumers credit scores. Please complete the payment history or this account or delete this from my credit report. 

I need your agency to complete the payment history from the day it was opened to the latest month. 
Lastly, I am writing to formally request the removal of all In Dispute, Account in Dispute, Consumer Disputes This Account, or similar dispute-related remarks from my credit file. 

I respectfully request that this account be fully investigated and removed from my credit report if the furnisher can not provide accurate, consistent, and verifiable documentation. I am simply asking for fairness and for my credit report to reflect truthful information. I truly need your help resolving this as soon as possible. 

Thank you for your time and urgent attention to this matter.

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