Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am requesting that the CFPB investigate and assist in removing an inaccurately reported account from my credit report. The account in question is a credit card reported as a charge-off by XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX 

I previously disputed this account directly with the credit bureau and/or the creditor, but the investigation was not properly conducted as required under the Fair Credit Reporting Act ( FCRA ). No meaningful verification was provided, and the derogatory information continues to harm my credit profile. 

The reported status is inaccurate and misleading. I am providing documentation to support my claim, and I believe this account should be removed entirely due to : Failure to conduct a reasonable investigation ( FCRA 611 ) Continued reporting of inaccurate or unverifiable information ( FCRA 605B if related to identity theft, or 623 if the furnisher is in violation ) Emotional and financial harm caused by the inaccurate reporting I respectfully request the CFPB review this issue, hold the data furnisher and credit bureaus accountable, and ensure that this account is deleted from my credit report. 

In addition to the concerns mentioned, I have also identified discrepancies in the way this account is being reported across the major credit bureaus. Specifically, the date opened " date last active '' listed by Experian does not match the date reported by TransUnion, which raises serious concerns about the accuracy and integrity of the information being furnished. TransUnion states in their investigation that the Date Opened is XX/XX/XXXX. Experian states in their investigation that the Date opened is XX/XX/XXXX. According to " Under the Fair Credit Reporting Act, particularly sections 607 ( b ) and 611, consumer reporting agencies and furnishers are legally required to ensure that all information reported is accurate, complete, and verifiable. Reporting inconsistent or unverifiable account detailssuch as differing date opened entries across bureausviolates this obligation. '' This inconsistency further demonstrates that the account is being reported with inaccurate and potentially unverifiable information. Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. These conflicting dates call that into question.

Given the failure to provide consistent, accurate, and verifiable information, I respectfully request that this account be deleted from my credit report in its entirety. 

As you can see, I disputed the account with Equifax, and on XX/XX/XXXX report of all XXXX bureaus showed it was on all three bureaus with different dates opened and dates last active as well as different account numbers. On my new report XX/XX/XXXX, Equifax has deleted the account. for inaccurate information in their investigation. The other two bureaus, Experian and TransUnion, need to delete the information for inaccuracies as well.

Due to the failure to perform a thorough and lawful investigation, I am requesting that this account be deleted from my credit report entirely. Continued reporting of this inaccurate and damaging information is causing significant harm to my credit profile and financial opportunities. 

I respectfully request that the CFPB investigate this matter and ensure that the reporting agencies and data furnisher comply with their legal obligations under federal law. 

Thank you for your time and assistance. I am available for any further clarification or documentation needed. 

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