Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
Subject : Dispute of Inaccurate Items in Credit Report ( Confirmation # XXXX ) and Formal Demand for Removal under Penalty of Perjury and Violations of Federal and State Law To Whom It May Concern : This letter serves as a formal and legally binding dispute of numerous inaccurate and unverifiable entries appearing on my Equifax credit report dated XX/XX/XXXX. This communication is submitted pursuant to the federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and relevant Arizona statutes including the Arizona Consumer Credit Reporting Act ( ACCRA ), A.R.S. 44-1691 et seq. 

In accordance with 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of any disputed item within XXXX ( XXXX ) days of receiving notice. Additionally, A.R.S. 44-1693.01 requires a consumer reporting agency to conduct a reinvestigation and promptly delete or correct inaccurate or unverifiable information. 

Below are the specific accounts and discrepancies found : 1. XXXX XXXXAccount # : XXXXStatus : Charge-OffBalance : $ XXXXDiscrepancy : This account has been reported with a charge-off status, though payments were reported in XX/XX/XXXX. You list the date of first delinquency as XX/XX/XXXX, yet show a charge-off by XX/XX/XXXX, without sufficient delinquency or charge-off validation. This may constitute willful misreporting. 

Violation : 15 U.S.C. 1681e ( b ) ( Failure to assure maximum possible accuracy ) A.R.S. 44-1693.01 ( A ) 2. DEPT OF EDUCATION ( Multiple Accounts : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ) Status : Over 120 Days Past DueDiscrepancy : These student loans are simultaneously marked as previously in dispute resolved by data furnisher, yet no documentation has been provided. Additionally, many show payment activity with conflicting delinquency data. For example, account # XXXX reports regular balance increases with no proof of missed payments. 

Violation : 15 U.S.C. 1681g ( Failure to provide complete file information upon request ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Failure to reinvestigate disputed data ) A.R.S. 44-1693.01 ( D ) 3. XXXX XXXX XXXXAccount # : XXXXStatus : CollectionBalance : $ XXXXDiscrepancy : This debt has been listed in collection with no supporting data from the original creditor. You are reporting balance past due every month since XXXX with no verifiable payments or contractual agreement. 

Violation : 15 U.S.C. 1681e ( b ) ( Maximum accuracy ) 15 U.S.C. 1681g ( a ) ( 2 ) ( Right to sources of information ) 4. XXXX XXXX ( Multiple Accounts : # XXXX, # XXXX, # XXXX, # XXXX ) Discrepancy : Account # XXXX is listed as Pays as Agreed but shows historical delinquencies without a current balance. Account # XXXX shows active delinquency but was reportedly in dispute and resolved with no documented verification. Accounts show contradicting data in terms of payment history and status. 

Violation : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( Unverifiable information must be deleted ) A.R.S. 44-1694.01 ( B ) ( 2 )

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