Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate, inconsistent, incomplete, and potentially unverifiable information being reported on my consumer credit reports by multiple furnishers and consumer reporting agencies. Despite several accounts being paid, closed, settled, or reporting inconsistent information across XXXX, XXXX , and XXXX, these tradelines continue to negatively impact my credit profile and financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers are required to maintain maximum possible accuracy when reporting consumer information. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified as accurate, complete, and legally reportable must be deleted. The continued reporting of disputed and inconsistent information has caused ongoing financial harm, including damage to my creditworthiness, difficulty obtaining financing, and adverse lending decisions. The following accounts are disputed : 1. XXXX XXXX XXXX XXXX Account ending in XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Paid : XX/XX/XXXX This account is reporting as closed, paid, and showing a XXXX balance, yet continues to contain derogatory delinquency reporting from XX/XX/XXXX and XX/XX/XXXX. I request verification of the complete payment history, furnishing authority, and accuracy of this tradeline or deletion if it can not be fully verified. 2. XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX and XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Paid : XX/XX/XXXX These accounts report as paid, closed, and in good standing with XXXX balances. I request verification of the necessity and accuracy of continued reporting, or deletion if the reporting can not be fully substantiated. 3. XXXX XXXX XXXX Account ending in XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX This account appears only on Experian and not XXXX or XXXX, creating inconsistent bureau reporting. Please verify the completeness and accuracy of this account or remove it if unverifiable. 4. XXXX Account ending in XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Reported : XX/XX/XXXX This account is closed, paid, and reflects a XXXX balance, yet continues reporting. Please verify the legal basis and accuracy for continued reporting. 5. XXXX XXXX XXXX Account ending in XXXX Status : Closed / Paid Profit and Loss Balance : {$0.00} This account lacks complete payment history and sufficient account documentation. Due to incomplete reporting, I request deletion if the account can not be fully verified. 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Reported Delinquency : XX/XX/XXXX This collection account reports inconsistently and lacks complete supporting payment history. If the debt has been paid or settled, the continued reporting as an active collection is misleading and inaccurate. 7. XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Reported Delinquency : XX/XX/XXXX This account reports under different names across bureaus and contains inconsistent reporting information. Please verify ownership, collection authority, balance accuracy, and complete payment history or delete the account. 8. XXXX XXXX XXXX Account ending in XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Reported Delinquency : XX/XX/XXXX and XX/XX/XXXX This account appears inconsistently between bureaus under different naming variations. Please provide full verification of ownership, balance, payment history, and legal authority to report this debt. 9. XXXX XXXX XXXX XXXX Account ending in XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Reported Delinquency : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This collection account reports inconsistently between consumer reporting agencies and appears under multiple naming variations. I request verification of the balance, collection authority, and reporting accuracy. 10. XXXX XXXX XXXX : Closed Reported Balance : {$0.00} This account reflects inconsistent reporting across bureaus and lacks sufficient supporting documentation verifying the completeness and accuracy of the tradeline. Please verify all reporting details or permanently delete the account. I am requesting the following resolution : A complete reinvestigation of all disputed accounts Full verification documentation for each tradeline The method of verification used for each account Deletion of any account that can not be verified as fully accurate, complete, and legally reportable Updated corrected credit reports from all consumer reporting agencies Please investigate this matter within the timeframe required under federal law and provide written confirmation of all corrections, deletions, or verification results. Sincerely, XXXX 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