Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute Inaccurate and Inconsistent XXXX  XXXX Account Reporting by Experian To Whom It May Concern, This letter serves as a formal complaint and dispute notification regarding Experian 's continued inaccurate, misleading, and conflicting reporting of two XXXX  XXXX accounts on my consumer credit file. Your failure to ensure maximum possible accuracy and transparency under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) constitutes a violation of my rights as a consumer.

Despite prior efforts to resolve this matter, Experian continues to furnish unverifiable and internally inconsistent information, which is materially affecting my creditworthiness and causing financial harm. 

XXXX XXXX Accounts Under Dispute ( Experian ) Account # 1 Balance Owed : {$1600.00} High Balance : {$0.00} ( Contradicted by XXXX XXXX XXXX, which report {$1600.00} ) Credit Limit : {$1300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Last Payment : XX/XX/XXXX Two-Year Payment History : Reports late payments ( 30, 60, 90, 120, 150 days ) and two charge-offs ( CO ) Days Late ( 7-Year History ) : 30:1 | 60:1 | 90:1 Account # 2 Balance Owed : {$470.00} High Balance : {$0.00} ( Contradicted by XXXX & XXXX, which report {$470.00} ) Credit Limit : {$300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Last Payment : XX/XX/XXXX Two-Year Payment History : Identical reporting to Account # 1 repeated severe delinquencies and charge-off notation Days Late ( 7-Year History ) : 30:1 | 60:1 | 90:1 Identified Legal Violations by Experian 15 U.S. Code 1681e ( b ) Failure to Ensure Accuracy Reporting a high balance of {$0.00} while simultaneously showing a charged-off balance of XXXX XXXX {$470.00} is factually inconsistent and misleading. Additionally, duplicative late payment patterns across two distinct accounts raise questions about XXXX internal quality controls.

15 U.S. Code 1681i Inadequate Reinvestigation of Disputed Information Your agency has failed to correct or delete clearly erroneous information despite disputes and visible contradictions across the three major credit bureaus.

15 U.S. Code 609 ( a ) ( 1 ) ( A ) Failure to Provide Supporting Documentation I have not received original, signed contracts or any evidence substantiating the accuracy of these accounts as reported.

15 U.S. Code 1681s-2 Furnisher Duty to Report Accurately Experian continues to report data from XXXX  XXXX that contradicts reports held by XXXX  and XXXX. 

15 U.S.C. 1601 ( TILA ) Truth and Transparency in Credit Reporting The contradictory and vague data regarding payment activity, account balances, and status undermines my ability to understand and resolve my financial standing.

Public Law 91-508, Title VI, 611 Reinvestigation Obligations You have not provided a meaningful reinvestigation or description of any findings related to these disputes, as required by law.

Requested Actions Immediate deletion of both XXXX XXXX accounts from my Experian credit file due to failure to ensure accuracy and consistency.

Full documentation and evidence used to verify these accounts, including copies of original applications and signed agreements.

A detailed written explanation of the reinvestigation conducted, as required under 15 U.S.C. 1681i ( 7 ).

Final Notice Be advised that this complaint may be escalated to the Identity Theft and other relevant regulatory agencies if this matter is not resolved within the 30-day window set forth by the FCRA. Continued failure to comply with federal reporting standards may subject your agency to legal action under FCRA 616617 for willful noncompliance.

Thank you for your urgent attention to this matter.

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