Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Attn : Follow-Up Complaint Failure to Provide Debt Validation, Improper Verification, Inaccurate & Inconsistent Credit Reporting ( FCRA, FDCPA, UCC & IRS Violations ) Dear CFPB, I am writing to formally follow up and escalate my initial complaint regarding multiple inaccurate, unverifiable, and inconsistently reported accounts appearing on my credit report. Despite submitting certified disputes to the credit bureaus and debt collectors, I have only received copies of my credit report in return, not the proper debt validation or verification required by law. 

I am requesting full debt validation under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and accurate verification under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

To date, I have not received : A signed contract or application showing I agreed to the alleged debt A full itemized billing history or accounting of the debt Proof of legal assignment or ownership of the debt by the reporting party Evidence that the data furnisher has the legal right to report to the credit bureaus Sending a credit report alone does not satisfy the legal requirement for verification. Under FCRA 1681i ( a ) ( 5 ), any information that can not be verified must be deleted from my credit file. Additionally, under UCC 9-210, I have the right to request a full accounting of any alleged obligation. That request has also been ignored.

According to IRS Code 6050P, any canceled or forgiven debt over {$600.00} should result in the issuance of a Form 1099-C. I have not received any 1099-C forms, which calls into question the validity and legal status of these accounts and further supports their removal from my report.

Accounts Reporting Inconsistently without Validation Some of the accounts listed below have already been deleted from one credit bureau but continue to appear on others. I request that these accounts be removed from all credit bureaus for accuracy and consistency. 

Inconsistently Reported, Unverified Accounts : XXXXXXXX XXXX Deleted from Equifax ; still reporting on Experian & TransUnion Status : Charged Off {$3700.00} ( Inconsistent Reporting. ) XXXX XXXX XXXX / XXXX XXXX Deleted from Equifax ; still reporting on Experian & TransUnion Status : Charged Off / Transferred ( Inconsistent Reporting. ) XXXX XXXX XXXX ( XXXX ) Deleted from Equifax ; still reporting on Experian & TransUnion Status : Active Collection {$27000.00} ( Inconsistent Reporting. ) XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX ) Reporting only on TransUnion Status : Active Collection {$10000.00} XXXX XXXX Reporting only on Experian Status : Transferred / Closed I am requesting immediate deletion of all accounts listed above unless legal and complete documentation is provided. Please confirm the outcome of your investigation and ensure the credit bureaus are held accountable for reporting information that is complete, accurate, and verifiable in accordance with federal law. 

Inconsistent Reporting : XXXX XXXX Experian : Closed Charged Off ( {$26000.00} ) TransUnion : Closed Charged Off as Bad Debt ( {$26000.00} ) Equifax : Open Not more than 3 payments past due ( {$40000.00} ) This is a direct violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report consistent and accurate data. This loan can not be both open and charged off with two entirely different balances. If this account can not be corrected with proper legal documentation, it must be deleted from all three bureaus. 

Incomplete and Misleading Reporting : XXXX XXXX  Reported On : All three bureaus Issue : Only Experian shows Transferred status. TransUnion and Equifax list Closed without transfer. 

This account was transferred to a new mortgage servicer ( XXXX XXXX ), who is currently reporting the active loan. The failure of TransUnion and Equifax to reflect the transferred status is misleading and may give the false impression that the account was closed negatively. 

Under FCRA 1681s-2 ( a ), furnishers must provide complete and accurate information. I request that this account be : Corrected to reflect " Transferred/Sold, '' OR Deleted in full across all 3 creditors for failure to comply with complete and accurate reporting standards. 


Unvalidated Collection Account : XXXX XXXX XXXX XXXX ( XXXX ) Original Creditor : XXXX XXXX Amount : {$200.00} Reported On : Experian and TransUnion Status : Active collection Despite previous disputes, I have received no documentation validating this debt under FDCPA 1692g. I have not received : A signed contract or agreement An itemized billing history Proof of legal ownership or license to collect in my state IRS Form 1099-C ( if debt was canceled ) Under FCRA 1681i, unverifiable collections must be removed. I request that this account be deleted immediately from both Experian and TransUnion. 

Supporting Documents Attached : Copies of all previous CFPB complaints Updated XX/XX/year> credit reports Prior dispute letters and confirmations I respectfully request that the CFPB investigate and enforce the removal of these unverifiable and misleading accounts. I also ask that the credit bureaus and furnishers be held accountable for their failure to comply with federal law. 
I trust that this will be addressed promptly, Thank you for your attention and assistance in resolving 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