Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
XXXX. XXXX XXXX Happened : This account is outdated and should no longer appear on my report. Additionally, XXXX XXXX is reporting this same debt separately, creating a duplicate derogatory mark. 

Resolution : Request immediate deletion due to duplicate reporting and the age of the account, in accordance with FCRA 605 ( a ) ( 5 ). 



XXXX. XXXX XXXX What Happened : This account is over XXXX XXXX XXXX and is still being reported, which is a direct violation of FCRA 605 ( a ) ( 4 ).

Resolution : Delete this account immediately as it is obsolete and legally must be removed after 7 years. 



XXXX. XXXX XXXX XXXX XXXX What Happened : This charge-off is being reported beyond the XXXX period and lacks current validation. No recent activity has occurred that would extend the reporting time. 

Resolution : Request full deletion under FCRA 605 ( a ), due to outdated reporting and lack of verified information. 



XXXX. XXXX XXXX XXXX What Happened : This debt remains on my report despite prior disputes. No documentation has been provided proving the validity of the debt. 

Resolution : Demand deletion under FCRA 611 and 609 ( a ), as no proper verification has been provided. 



XXXX. XXXX XXXX XXXX ( Account 1 ) What Happened : This account is a duplicate of the XXXX account XXXX XXXX XXXX has purchased the debt and is now also reporting it, causing double damage to my credit. 

Resolution : Delete this account for duplicate reporting under FCRA 605B and 611 ( a ) ( 5 ) ( A ). 



XXXX. XXXX XXXX XXXX ( Account 2 ) What Happened : This is a separate account also not verified and is being reported without proof. Additionally, XXXX XXXX has a history of reporting duplicate or misclassified debts on my report. 

Resolution : Demand deletion due to lack of proper validation and inaccurate reporting under FCRA 609 ( a ). 



XXXX. XXXX XXXX XXXX. 

What Happened : This account is not mine. I have already disputed this, and it was falsely verified without producing any supporting documentation. 

Resolution : Request immediate deletion under FCRA 605B for identity theft-related disputes or 611 for unverified debt. 



XXXX XXXX XXXX XXXX What Happened : This collection remains despite disputes and no formal verification has been provided. The agency has failed to meet validation requirements. 
Resolution : Delete due to violation of FCRA 611 and FDCPA 809 ( b ), which requires validation of the debt upon request. 



XXXX. XXXX XXXX XXXX Happened : This is another account that has remained on my credit report after disputes with no validation provided. The amount is also incorrect and unverifiable. 
Resolution : Request deletion under FCRA 609 ( a ) and FDCPA 807 for false or misleading representation. 



XXXX. XXXX XXXX XXXX What Happened : This installment loan was closed without proper validation or disclosure. I have no record of agreeing to the terms reported, and the dispute was ignored. 

Resolution : Delete under FCRA 611 and 609 ( a ) for lack of supporting evidence and inaccurate reporting.

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