Consumer complaint received 2025-08-12 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: IL

Complaint narrative:
XXXX XXXX XXXX High XXXX XXXX XXXX, Illinois XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Immediate Deletion Demand and Verification Request Multiple Accounts & Bankruptcy To Whom It May Concern, I am formally disputing the accuracy and validity of the following accounts and bankruptcy information reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ), you are legally required to report only accurate, complete, and verifiable information.

The following accounts contain multiple material inaccuracies, contradictions, and unverifiable data that significantly harm my creditworthiness and violate federal law. I have attached proof from my credit reports showing these discrepancies. 

Disputed Accounts and Issues : XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Conflicting dates opened ( XX/XX/XXXX vs. XX/XX/XXXX ) Loan term discrepancies ( 0 months vs. 74 months ) Inconsistent high credit amounts ( {$11000.00} vs. {$29000.00} ) Payment status varies ( Unknown vs. Collection/Chargeoff ) Contradictory last reported and payment dates Payment history and activity dates inconsistent XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Date opened mismatches and XXXX loan terms reported High credit and credit limit inconsistent ( {$0.00} vs. {$980.00} / {$700.00} ) Payment status varies between bureaus Conflicting last reported dates and activity dates Marked disputed and included in bankruptcy but still inaccurately reported XXXX. XXXX ( XXXX XXXX Consumer ) Account # XXXXXXXX XXXX XXXX XXXX XXXX  Date opened differs across bureaus Loan term reported as 0 months on some reports High credit inconsistent ( {$0.00} vs. {$1300.00} ) Payment status conflicting ( Unknown vs. Collection/Chargeoff ) Conflicting last reported dates and payment dates Account marked derogatory despite bankruptcy discharge XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Different dates opened reported Loan term varies widely ( XXXX vs. 80 months ) High credit inconsistent ( {$0.00} vs. {$49000.00} ) Payment status varies ( Unknown vs. Collection/Chargeoff ) Inconsistent last reported and activity dates Payment history contradictory Account included in bankruptcy but inconsistently reported as derogatory XXXX. DISCOVERCARD Account # XXXX * * * * Account status inconsistent ( Paid vs. Derogatory ) Different date opened across bureaus Unrealistic XXXX months terms on all reports High credit inconsistent ( {$0.00} vs. $ XXXX {$9300.00} ) Credit limit inconsistent ( {$0.00} vs. {$7800.00} ) Payment status contradicts Paid status on some reports Conflicting last reported, last payment, and last activity dates Contradictory payment history between bureaus XXXX. Chapter XXXX Bankruptcy Reference # XXXX * * * * Filing/reporting date inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ) Missing closing date on Equifax report Incomplete and inaccurate reporting undermines overall credit profile integrity Demand : I demand : Immediate deletion of any and all accounts and information that can not be fully verified with original, complete documentation. 
Full verification details for each account and bankruptcy entry, including : The name of the entity or person who verified the information, The method used to verify the information, The date verification was performed, Copies of all documents relied upon for verification. 
If you can not provide the above verification details within 30 days, you must delete the inaccurate or unverifiable accounts immediately as mandated by the FCRA. 
Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), state Attorney General offices, and potential legal action for willful FCRA violations. 
I expect a detailed written response confirming the removal of unverifiable accounts or full verification within the 30-day statutory timeframe.

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX Enclosures : Proof of Inaccurate Reporting ( Credit Report Excerpts )

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