Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
Dear TransUnion, Eperian, Equifax I am writing to formally dispute multiple inaccurate, outdated, and unauthorized items appearing on my consumer credit report. Upon thorough review and comparison of my credit reports from all three major bureaus, I have found significant inconsistencies in credit dates, account statuses, and inquiry details, which clearly demonstrate that many reported late payments, collection accounts, and student loan delinquencies are not accurate. Specifically, my credit report lists late payments and collection balances that are incorrect, including the collection account from XXXX XXXX XXXX for {$2200.00} reported as past due as of XX/XX/XXXX, and student loans under XXXX XXXX accounts showing late payments and balances that do not align with my payment agreements or actual loan status. 

For example, the XXXX XXXX account, with an open balance of {$1100.00} and a credit age listed as 1 year and 11 months, conflicts with my credit history which spans over 4 years and 6 months. Inquiry details from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, also do not correspond correctly with my records. Other inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reported with conflicting statuses, including accounts listed as paid, closed but showing potentially negative status or balances that should no longer be reported. Numerous accounts including those with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and others are shown with XXXX balances yet are inaccurately reflected with derogatory marks. 

Furthermore, the student loans reported by XXXX XXXX across multiple loan IDs ( XXXX, XXXX, XXXX ) as of XX/XX/XXXX, indicate balances totaling over {$25000.00} with late payment notations, despite my having made timely payments and being enrolled in repayment plans or deferment programs. These inaccuracies violate the Fair Credit Reporting Acts requirement for maximum accuracy ( 1681e ( b ) ) and fail to reflect the true standing of my accounts.

I also dispute the accuracy and authorization of several credit inquiries appearing on my report, which are listed without my consent or proper permissible purpose as required by FCRA 1681b ( a ) ( XXXX ). These include the XXXX XXXX and XXXX XXXX inquiries previously mentioned, among others. Given these discrepancies and unauthorized entries, I assert that some may be the result of identity theft or fraudulent activity, and I request that all such fraudulent entries be blocked and deleted promptly pursuant to FCRA 1681c-2.

The inconsistencies in my credit age across bureaus and the mismatch in reported dates further illustrate the unreliability of the reported data. I have documentation to prove these discrepancies, which I am prepared to provide for your review. The Truth in Lending Act ( TILA ) also protects my right to fair and accurate credit reporting and prohibits unfair billing and reporting practices, all of which have been violated by the continued presence of these false and misleading entries.

Under the Fair Credit Reporting Act ( 1681i ( a ) ), you are required to conduct a reasonable reinvestigation of my dispute within 30 days, and furnishers must cease reporting disputed information found to be inaccurate or unverifiable under 1681s-2 ( b ). Noncompliance with these requirements constitutes willful violation, exposing your agency to civil penalties. Additionally, the Fair Debt Collection Practices Act applies here, given the abusive and deceptive reporting by collection agencies related to accounts that are either inaccurately labeled or do not belong to me, further violating 1692e and 1692f. 

Therefore, I demand the immediate deletion or correction of all closed accounts inaccurately reported as delinquent or charged-off, all incorrect student loan payment histories, all unauthorized inquiries and accounts arising from identity theft, and any outdated or obsolete negative information beyond the permissible reporting periods. This demand includes but is not limited to the collection account from XXXX XXXX XXXX, student loans under XXXX XXXX, inquiries from XXXX XXXX and XXXX XXXX, and all other disputed items as documented in my attached evidence. 

Should these inaccuracies not be corrected or removed within the legally mandated timeframes, I will pursue all available remedies, including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and legal action to recover damages. 

Please acknowledge receipt of this dispute immediately and confirm that the erroneous information has been blocked or deleted in accordance with federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, [ XXXX XXXX XXXX ] [ Your Signature if sending physical letter ] [ 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