Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX Credit Bureaus Involved : Experian, Equifax, TransUnion Complaint Type : Incorrect information on credit report / Identity theft / Failure to investigate Description of Complaint : I am filing this complaint against Experian, Equifax, and TransUnion for their continued reporting of multiple inaccurate, derogatory, and outdated accounts on my credit report dated XX/XX/XXXX, despite clear violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 
I have attempted to resolve these matters through the normal dispute process, but the agencies have failed to properly investigate or correct the errors. These accounts are either : Not mine, Result from identity theft or mixed file, Incorrectly reported as derogatory or charged-off, Reported with inconsistent payment history and re-aged dates, Lacking documentation and proper verification under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Improperly coded in violation of XXXX XXXX format. 
Derogatory Accounts Disputed : XXXX. XXXX XXXX XXXX Experian XXXX Equifax Closed but reporting as charged off ; inconsistent payment history ; no validation Derogatory status not supported under 15 U.S.C. 1681s-2 ( b ) XXXX. XXXX. XXXX. XXXX XXXX ( Multiple ) All XXXX bureaus Closed and paid but still showing late history ; account status conflict ( Open vs Closed ) Inconsistent across bureaus ; re-aged derogatory data XXXX XXXX XXXX ( Multiple ) All XXXX bureaus Accounts report as charged-off with massive derogatory lates ( up to XXXX ), but no updated activity or validation Several of these were closed prior to delinquencies ; XXXX account paid off but still marked derogatory XXXX XXXX All XXXX bureaus Account is paid off but still reflects charged-off status ; payment history is inflated with re-aged XXXX lates No proper investigation documentation has been provided XXXX. Equifax  XXXX Account ( XXXX XXXX XXXX XXXX XXXX XXXX Account shows as collection, but no creditor name, date of origination, or supporting data No reporting to XXXX  or XXXX  ; indicates false placement or internal error Violations Identified : FCRA 1681i ( a ) ( 1 ) ( A ) : Failure to reinvestigate disputes within XXXX XXXX FCRA 1681s-2 ( b ) : Furnishers failed to verify accuracy and continued reporting false data FCRA 1681c ( a ) : Obsolete and outdated negative history beyond XXXX limit XXXX XXXX Violation : Improper coding of closed/paid accounts as charged off ; lack of ECOA codes ; duplicate tradelines ; payment history errors Mixed File & ID Theft Issues : Name variations, former aliases, and duplicate XXXX accounts show a pattern of misidentification and poor bureau hygiene These accounts are severely damaging my credit profile and no longer meet the legal thresholds for reporting under the FCRA or XXXX XXXX standards I demand a full investigation, documentation from the data furnishers, and written confirmation of deletions. If this is not resolved immediately, I will escalate to : State Attorney General Complaint FTC and Legal Counsel Small Claims Action for statutory damages under FCRA Attachments to follow ( if applicable ) : Dispute letters Identity Theft Affidavit Credit Report ( XX/XX/XXXX ) Summary : This complaint is being submitted in good faith under federal law. I demand that all violations be corrected within the required legal time frame. 
Sincerely, XXXX 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