Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
Subject : Urgent Demand for Comprehensive Reinvestigation and Deletion of Inaccurate, Incomplete, and Unverifiable Negative Data FCRA & FDCPA Violations To Whom It May Concern, This letter constitutes a formal and urgent demand for a comprehensive reinvestigation and the immediate deletion of all inaccurate, incomplete, and unverifiable negative entries on my consumer credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation of disputed information. Your failure to remove false or unverifiable data after such an investigation constitutes a direct violation of 15 U.S.C. 1681e ( b ), which requires your agency to follow reasonable procedures to assure maximum possible accuracy. Furthermore, pervasive inconsistencies across bureaus suggest systemic non-compliance with XXXX XXXX reporting standards, which are critical for data integrity. 

I demand that you utilize the XXXX system to identify and rectify all non-compliant XXXX XXXX fields for the accounts listed below. 

I. Inaccurate and Inconsistent Delinquent Accounts The following accounts exhibit severe inaccuracies, inconsistencies in payment history across bureaus, and/or balances exceeding credit limits without proper justification. The continued reporting of this false or inconsistent data violates FCRA 1681e ( b ) ( accuracy ) and 1681i ( a ) ( 1 ) ( A ) ( reinvestigation ), as well as XXXX XXXX reporting standards. 

XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX ( Experian ) Inaccuracies : Reported as " Past due XXXX  days '' ( Experian ). The payment history is highly inconsistent across bureaus ( XXXX  Experian XXXX for XX/XX/XXXX, while TransUnion and XXXX  show XXXX ). The " High Credit '' ( {$3200.00} ) significantly exceeds the " XXXX XXXX '' ( {$3000.00} ). 

Violations : FCRA 1681e ( b ) for inaccurate payment status and balance reporting. Violation of XXXX XXXX standards for inconsistent data. 

Demand : I demand immediate correction of the payment status to reflect actual history and full validation of all charges and fees that led to the balance exceeding the credit limit. If these can not be verified, this account must be deleted. 

XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX ( Experian ) Inaccuracies : Experian reports " XXXX  days past due '' for XX/XX/XXXX, while TransUnion and XXXX  show " OK '' for the same period. The " High Credit '' ( {$920.00} ) exceeds the " Credit Limit '' ( {$800.00} ). 

Violations : FCRA 1681e ( b ) for inaccurate payment status. Violation of XXXX XXXX standards for inconsistent data. 

Demand : I demand immediate correction of the payment status to " OK '' for XX/XX/XXXX, and full validation of all charges that led to the balance exceeding the credit limit. If these can not be verified, this account must be deleted. 

XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX ( Experian ) Inaccuracies : Reported as " Current, was past due XXXX  days '' ( Experian ). Payment history shows " XXXX XXXX '' for XXXX XXXX ( Experian ), while TransUnion shows XXXX  OK '' for XX/XX/XXXX. The " High Credit '' ( {$680.00} ) exceeds the " Credit Limit '' ( {$500.00} ). 

Violations : FCRA 1681e ( b ) for inaccurate payment status and inconsistent reporting. Violation of XXXX XXXX standards. 

Demand : I demand immediate correction of the payment history to reflect accurate payments and full validation of all charges that led to the balance exceeding the credit limit. If these can not be verified, this account must be deleted. 

XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX ( Experian ) Inaccuracies : Payment history shows " XXXX '' for XX/XX/XXXX ( Experian ), while TransUnion shows " OK. '' Experian XXXX shows " XXXX '' for XX/XX/XXXX, while TransUnion and XXXX  XXXX " OK. '' The " High Credit '' ( {$620.00} ) exceeds the " Credit Limit '' ( {$500.00} ). 

Violations : FCRA 1681e ( b ) for inaccurate payment status and inconsistent reporting. Violation of XXXX XXXX standards. 

Demand : I demand immediate correction of the payment history to reflect accurate payments and full validation of all charges that led to the balance exceeding the credit limit. If these can not be verified, this account must be deleted. 

XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX ( Experian ) Inaccuracies : Reported as " Past due XXXX  days '' ( Experian ). The " High Credit '' ( {$1400.00} ) significantly exceeds the " Credit Limit '' ( {$1000.00} ). 

Violations : FCRA 1681e ( b ) for inaccurate balance reporting and payment status. Violation of XXXX XXXX standards. 

Demand : I demand full validation of all charges and fees that led to this inflated balance and the reported delinquency. If these can not be verified, this account must be deleted. 

XXXX. Inaccurate and Outdated Charged-Off/Collection Accounts ( Illegal Re-Aging & False Reporting ) The following accounts are reported with severe negative statuses ( Charged-off, Collection ) despite evidence of payment or clear signs of illegal re-aging and inconsistent reporting. The continued reporting of these items is a severe violation of the FCRA. 

XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX ( Experian ) Inaccuracies : Reported as " Charge-off '' with a balance of {$560.00}. However, my consumer statement on the report explicitly states : " ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. '' This directly contradicts the reported status. The " Date Last Active '' ( XX/XX/XXXX ) is significantly older than the " Last Reported '' date ( XX/XX/XXXX ), strongly suggesting illegal " re-aging. '' Violations : FCRA 1681e ( b ) for inaccurate and misleading reporting. FCRA 15 U.S.C. 1681c ( a ) for reporting obsolete information ( re-aging ). Violation of XXXX XXXX standards for inconsistent data. 

Demand : I demand immediate deletion of this account due to payment prior to charge-off, re-aging, and inconsistent reporting. You must provide full validation of the debt and its true status, including proof of payment and the complete chain of title, as required by FDCPA 15 U.S.C. 1692g. 

XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX ( Experian ) Inaccuracies : Reported as " Charge-off '' with a balance of {$1500.00}. The " High Credit '' ( {$2000.00} ) exceeds the " Credit Limit '' ( {$2000.00} ). 

Violations : FCRA 1681e ( b ) for inaccurate balance reporting. FDCPA 15 U.S.C. 1692g for debt validation. 

Demand : I demand full validation of this debt, including the original account agreement, an itemized breakdown of all charges and fees ( especially those exceeding the credit limit ), and a complete payment history from the original creditor. If these can not be verified, this account must be deleted. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account XXXX XXXX XXXX ( Experian ) Inaccuracies : Reported as a " COLLECTION '' account. My records indicate this is an unauthorized account with no consent to report, making it a misleading entry. 

Violations : FCRA 1681e ( b ) for inaccurate/unauthorized reporting. FDCPA 15 U.S.C. 1692g for debt validation. 

Demand : I demand immediate termination of this account. You must provide full debt validation and proof of the complete chain of title from the original creditor to your entity. If validation is not provided, this account must be deleted. 

XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX ( Experian ) Inaccuracies : Reported as " Charge-off. '' The payment history shows XXXX, XXXX, XXXX  days late for XXXX, XXXX, XX/XX/XXXX respectively. 

Violations : FCRA 1681e ( b ) for inaccurate payment history. FDCPA 15 U.S.C. 1692g for debt validation. 

Demand : I dispute the accuracy of these late payments. I demand full validation of the debt, including the original agreement and detailed payment history. If these can not be verified, this account must be deleted. 

XXXX XXXX  Account XXXX XXXX XXXXXXXX ( TransUnion only - Experian shows no account with this number ) Inaccuracies : While this account is " Closed '' and " Paid or paying as agreed '' on TransUnion, it reports " XXXX XXXX '' for XXXX XXXX ( TransUnion ) XXXX More critically, this account is missing entirely from my Experian report. This inconsistency in reporting across major credit bureaus is a direct violation of FCRA 1681e ( b ) and XXXX XXXX compliance. 

Violations : FCRA 1681e ( b ) for inconsistent and incomplete reporting. 

Demand : I demand a thorough investigation into why this account is inconsistently reported. You must either ensure this account is accurately and completely reported on my Experian file, or if its absence is correct, explain why it is present on TransUnion. If its reporting status can not be fully verified and made consistent, it must be deleted from any report where it appears inaccurately or incompletely. 

XXXX. Demand for Compliance and Remediation Under FCRA 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), you must conduct a reasonable reinvestigation of every item disputed herein. This requires more than merely obtaining a reaffirmation from the furnisher ; it necessitates a diligent review of all relevant information, as established in cases such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX If any information can not be verified as accurate, complete, and compliant with XXXX XXXX standards, it must be immediately and permanently deleted from my credit report. 

Your failure to comply with these demands will be considered a willful violation of the FCRA, which may subject you to legal liability under 15 U.S.C. 1681n ( for willful non-compliance ) and 15 U.S.C. 1681o ( for negligent non-compliance ), as well as potential FDCPA violations where applicable. 

I expect to receive the results of your comprehensive reinvestigation for all disputed items within the XXXX timeframe mandated by the FCRA, along with confirmation of the removal or correction of all inaccurate or unverifiable information. 

Sincerely, XXXX 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