Consumer complaint received 2025-09-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. Box XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, PA XXXX CC : CFPB P.O. XXXX XXXX, Washington XXXX DC XXXX Subject : Formal Dispute of Inaccurate, Obsolete, and Duplicate Accounts Under the FCRA Demand for Immediate Reinvestigation and Deletion Dear Equifax, Experian, TransUnion, and CFPB, I am disputing inaccurate, obsolete, and unverifiable items across all of my credit files. My Equifax report ( dated XX/XX/XXXX ) clearly demonstrates re-aged, duplicative, and unverifiable tradelines. As a victim of the Equifax XXXX XXXX ( Eligibility Confirmation Attached ), I demand thorough reinvestigation and deletion under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., Regulation V ( XXXX XXXX  Part XXXX ), and CFPB XXXX XXXX ( XXXX XXXX. XXXX, XXXX ). 

Accounts in Violation ( All CRAs Must Investigate ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Balance : {$5200.00} reporting as Charge-Off through XXXX. 

Violation : FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ) ; XXXX XXXX XXXX ( a ) ( XXXX ) ( re-aging / continued negative reporting beyond XXXX  years ). 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX Balance : {$810.00} still reporting charge-off. 

Violation : FCRA XXXX ; must report accurate status if sold/charged off. 

XXXX XXXX XXXX XXXX Accounts Account # XXXX : {$3200.00} ( XXXX  XX/XX/XXXX ). 

Account XXXX XXXX XXXX XXXX$620.00} ( XXXX  XX/XX/XXXX ). 

Violation : FCRA XXXX ( a ) ( XXXX ), XXXX ; improper re-aging of delinquency dates. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX, XXXX : {$160.00}. 

Still showing charge-off updates through XXXX ( over XXXX  years ). 

Violation : FCRA XXXX ( a ) ( XXXX ) ; CRA must not re-age debt to extend reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, Balance : {$6700.00}. 

Still updating monthly as repossession in XXXX. 

Violation : FCRA XXXX ( a ) ( XXXX ) ; misleading re-reporting of repossessions. 

XXXX XXXX XXXX XXXX XXXX XXXX Bank ( Duplicate Debt ) XXXX  XXXX ( Charge-Off {$0.00} balance, XXXX XX/XX/XXXX ). 

XXXX XXXX ( XXXX {$760.00}, same XXXX  ). 

Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) ; duplicate reporting prohibited. Only XXXX entity XXXX report balance owed. 

Governing XXXX & XXXX Rights FCRA, XXXX XXXX. XXXX ( a ) ( XXXX ) : CRAs must conduct reasonable reinvestigation of disputed items within XXXX  days. 

FCRA, XXXX XXXX. XXXX ( a ) : Negative accounts ( charge-offs, repos, collections ) can not be reported after XXXX  years. 

XXXX XXXX Part XXXX ( Regulation V ) : CRAs must maintain accurate XXXX  ; re-aging is prohibited. 

FCRA, XXXX ( XXXX ) [ XXXX XXXX. XXXX ( XXXX ) ] : As an identity theft/data breach victim, I XXXX demand blocking of unverifiable tradelines. 

FCRA, XXXX [ XXXX XXXX. XXXX ] : I XXXX seek damages for willful/negligent noncompliance. 

CFPB XXXX, XXXX XXXX. XXXX & XXXX : CFPB XXXX enforce against unfair, deceptive, or abusive consumer reporting practices. 

My Demands Delete or Correct all inaccurate, obsolete, and duplicate accounts listed above from Equifax, Experian, and TransUnion. 

Preserve XXXX XXXX XXXX unlawful re-aging of accounts. 

Investigate Possible XXXX Accounts As my identity was compromised in the Equifax XXXX XXXX XXXX with signed contracts/original applications or delete as unverifiable. 

Provide me with a written response within XXXX  days as mandated by XXXX XXXX. XXXX ( a ) ( XXXX

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