Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
This is now my fourth dispute about the same inaccurate and inconsistent information being reported by the credit bureaus and the collection agency. 
In late XX/XX/year>, I pulled a three-bureau credit report showing : A derogatory/charge-off credit card account from XXXX XXXX XXXX with a balance reported at about {$930.00} ; A collection account from XXXX XXXX XXXX for a XXXX utility bill with a balance reported at about {$1400.00} ; Multiple incorrect versions of my name and address, including an address listed as current that I do not currently live at and versions of my actual address that are incomplete or misformatted ; Several hard inquiries from banks and lenders that I do not recognize as authorized applications for credit.

Across the three bureaus, the same accounts show conflicting dates ( different date of last activity, date opened, etc. ), inconsistent balances, and even contradictory dispute status ( one bureau shows it disputed, another shows it as not disputed ). These inconsistencies make the information misleading and raise concerns about re-aging and mixed-file reporting. 
Between approximately XXXX and XX/XX/year>, I have : Sent XXXX detailed written dispute letters to the bureaus and the collection agency, Submitted online disputes through the bureaus websites, and Specifically requested that the companies provide documentation ( signed contracts, itemized statements, DOFD, proof of permissible purpose for inquiries ) or delete any unverifiable or inaccurate items. 
Instead of fully correcting or removing the information, the companies have : Continued to report XXXX XXXX  XXXX XXXX and XXXX accounts as derogatory and verified, Left the conflicting dates and balances in place, Failed to correct or remove the incorrect name and address variations, and Continued to report hard inquiries that have not been supported by proof of a valid permissible purpose. 
At this stage, after multiple disputes and opportunities to correct the information, I am no longer asking for yet another generic reinvestigation. I am asking for deletion of the disputed items because they remain inaccurate, incomplete, misleading, and/or unverifiable, which triggers the deletion requirements under the Fair Credit Reporting Act. 
Specifically, I am asking that : XXXX XXXX XXXX XXXX  derogatory account be deleted from all credit reports if the furnisher and bureaus can not show a single, accurate DOFD, consistent dates, and full documentation that the balance is correct and legally owed. 
XXXX XXXXXXXX XXXX XXXX / XXXX collection account be deleted from all reports if they can not provide full documentation ( service address, itemized billing, DOFD ) and resolve the inconsistent dates across bureaus. 
All incorrect name and address variations be removed so that only my true legal name and correct current address are reported, and any mixed-file information tied to wrong identifiers is deleted or blocked. 
Any hard inquiries for which the bureaus can not show a valid permissible purpose and proof of authorization be removed from my reports. 
Because this is now the fourth round of disputes and the errors are still not corrected, I am asking the CFPB to require the companies to follow the deletion and blocking provisions of the FCRA and related rules, not just to mark the items as verified without meaningful proof. 
2 ) Legal codes that support deletion ( you can paste this at the end of the box ) If the form gives you room, you can add this paragraph ( or a shortened version ) at the bottom of your narrative : I am specifically invoking the deletion and blocking requirements under the Fair Credit Reporting Act and related laws, including : 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) duty to follow reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681g ( a ) ( FCRA 609 ( a ) ) right to disclosure and description of procedures used to determine accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) and ( a ) ( 2 ) ( FCRA 611 ( a ) ) duty to conduct a reasonable reinvestigation upon dispute ; 15 U.S.C. 1681i ( a ) ( 5 ) ( FCRA 611 ( a ) ( 5 ) ) mandatory deletion of information found to be inaccurate, incomplete, or unverifiable, and rules on reinsertion ; 15 U.S.C. 1681c ( a ) ( FCRA 605 ( a ) ) prohibition on reporting obsolete information beyond the time limits ; 15 U.S.C. 1681c-2 ( FCRA 605B ) blocking of information resulting from identity theft or mixed files ; 15 U.S.C. 1681b ( FCRA 604 ) permissible purposes for obtaining a consumer report, which applies to deletion of inquiries lacking a valid permissible purpose ; 15 U.S.C. 1681s-2 ( a ) and ( b ) ( FCRA 623 ) furnisher duties to report accurately, correct and update information, and reasonably investigate disputes.

Because the disputed items remain inaccurate, inconsistent, and/or unverifiable even after multiple disputes, these provisions require that the bureaus and furnishers delete the information rather than continue to report it as verified.

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