Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing several inaccurate and duplicate accounts with Experian, XXXX, and XXXX for XXXX, and I have not received any proper updates, verification, or documentation supporting the information that continues to appear on my credit reports. 
Each bureau has failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), and they continue to report information that is inconsistent, incomplete, and in many cases, duplicated across all XXXX  reports. 
XXXX XXXX Accounts ( XXXX ) There are multiple XXXX student XXXX accounts being reported under the same loan number ( XXXXXXXX XXXX XXXX XXXX XXXX  ) with different balances, dates opened, and payment histories. These appear as XXXX separate tradelines when they all represent the same underlying debt. 
Balances range from {$1400.00} to {$8800.00}. 
Dates opened range from XXXX to XXXX. 
Payment histories and Date Last Reported fields conflict across all three bureaus. 
Comments such as Dispute resolved ; customer disagrees and Consumer disputes after resolution are appearing, which are not compliant with XXXX standards ( proper code should be XXXX ). 
This is inaccurate and misleading reporting that violates FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ), 611 ( a ) ( failure to reinvestigate ), and 623 ( a ) ( 1 ) ( A ) ( inaccurate furnishing of data by the furnisher ). 
Collection Accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX  ) The same debt for {$1800.00} is being reported under XXXX different names ( XXXX  and XXXX XXXX XXXX ) across the XXXX bureaus. 
Dates opened range from XX/XX/XXXX to XX/XX/XXXX. 
Both show the same balance, original creditor, and account type. 
This duplication falsely inflates the number of derogatory accounts and violates FCRA 607 ( b ) and XXXX duplicate tradeline guidance. 
XXXX / XXXX Reported with inconsistent Date Opened and Last Updated fields between bureaus. XXXX bureau reports XX/XX/XXXX, another XX/XX/XXXX. The balance ( {$160.00} ) remains the same, but no verification or supporting documentation has ever been provided after dispute. 
XXXX XXXX XXXX Previously reported collection for {$1000.00} has been deleted from XXXX bureau but remains on others, showing inconsistent reporting and proof that at least XXXX bureau is maintaining inaccurate data. 
Revolving / Installment Accounts XXXX  XXXX ( Account ending XXXX ) The account still lists multiple late payments and the comment Account previously in dispute ; resolved by data furnisher even though no proof or validation was provided. 
XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Payment history differs across all XXXX bureaus ; XXXX reports XXXX  while another reports XXXX  days late for the same months. 
XXXX XXXX XXXX  shows the account as both Paid / Closed and Late XXXX  Days, which is contradictory and violates XXXX field accuracy rules. 
In each dispute, I requested : The method of verification and the name of the furnisher that verified the accounts. 
Copies of any documentation used to verify each debt ( original contracts, applications, or statements ). 
Deletion of unverifiable and duplicate accounts, especially the XXXX student loans and XXXX XXXX collection. 
Correction of inaccurate payment histories and removal of conflicting account statuses. 
Proper coding of disputes using XXXX XXXX until the investigation was completed. 
Updated credit reports showing the results of reinvestigation. 
I have not received any of the requested verification, nor any explanation as to how these accounts were verified or by whom. Instead, the credit bureaus continue to report conflicting and duplicate information that harms my credit profile and prevents me from obtaining accurate reporting.

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