Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Truth in Lending Act ( 15 U.S.C. 1638 ), and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as well as XXXX XXXX reporting standards. 

Please reinvestigate the items listed below, verify each with the data furnisher, and remove or correct any unverifiable or inaccurate information within 30 days as required under FCRA 1681i ( a ).

1 Inaccurate or Conflicting Tradelines XXXX XXXX XXXX ( Loan # XXXX ) Status shows Open while reporting multiple XXXX lates. 

Violates XXXX XXXX Account Status field vs Payment History conflict and FCRA 1681e ( b ). 

Request verification or deletion ; furnish proof of each alleged delinquency. 


XXXX XXXX ( Loan # XXXX multiple entries ) Six identical account numbers reported separately, each marked Open/Never Late. 

Violates XXXX XXXX Rule 2.4.2.2 ( duplicate accounts ) and FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Consolidate or delete duplicates ; provide documentation for each valid loan. 


XXXX XXXX XXXX XXXX ( Account # XXXX ) Same account reported twice : one Open/Never Late and one Charged Off {$8400.00}.

Conflicting statuses breach FCRA 1681s-2 ( b ) and XXXX XXXX Condition Code 11/61.

Provide verified documentation from the creditor or remove inconsistent tradeline. 


XXXX XXXX ( Multiple Accounts ) XXXX tradelines show contradictory statuses ( Paid Closed, Inactive, Charged Off ). 

Violates FCRA XXXX ( b ) and XXXX XXXX Account XXXX field accuracy. 

Supply account-level documentation or delete unverifiable versions. 


XXXX XXXX ( Accounts # XXXX and # XXXX ) Charged off in XXXX yet still showing new past-due balances in XXXX. 

Constitutes re-aging in violation of FCRA 1681c ( a ) ( 4 ) and XXXX XXXX Field 17A.

Correct to original Date of First Delinquency or remove. 


XXXX XXXX XXXX / XXXX  ( Transferred to XXXX XXXX XXXX ) Reports {$3600.00} written off while also noting purchased by another lender.

Under FDCPA 807 ( 2 ) ( A ) and FCRA 1681s-2 ( a ) ( 1 ) ( B ), original creditor must show {$0.00} balance Transferred/Sold.

Update or delete the inaccurate charge-off entry. 


XXXX XXXX ( Transferred to XXXX XXXX ) XXXX XXXX {$7400.00} written off after sale. 

Same statutory violations as above ; must show Transferred {$0.00} balance. 


XXXX XXXX XXXX ( Account # XXXX ) Shows Open with XXXX XXXX lates but lacks consistent delinquency coding. 

Violates XXXX XXXX Payment History completeness requirement.

-- - 2 Personal Information Corrections Please list only my current address as XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX. 

Remove outdated addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX SC XXXX ). 

Retain only the accurate full name XXXX XXXX XXXX and delete variants ( XXXX XXXX XXXX ). 


Consumer Declaration I assert my right to a fair and accurate credit report. The continuing reporting of duplicate, re-aged, or misleading tradelines damages my creditworthiness and violates federal law. Failure to respond within 30 days will constitute willful noncompliance under FCRA 1681n and 1681o, entitling me to remedies and statutory damages.

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