Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is a follow-up complaint regarding continued inaccurate, inconsistent, incomplete, and unverified reporting across my consumer credit files maintained by Experian , Equifax, and TransUnion, in violation of the Fair Credit Reporting Act, including but not limited to 15 U.S. Code 1681i ( CRA 611 ) requiring timely and reasonable reinvestigation, 623 ( a ) ( 2 ) requiring furnishers to promptly correct and update inaccurate information, 623 ( b ) requiring a reasonable investigation upon dispute, and 609 ( 15 U.S. Code 1681g ) regarding my right to full and complete disclosure of all information used in reporting ; specifically, my credit reports contain an inaccurate address listed as XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX along with multiple tradelines that remain inconsistently reported across the three bureaus, including a XXXX XXXX account ending in XXXX showing conflicting late payment histories ( XXXX, XXXX, XXXX, and XXXX delinquencies appearing differently across bureaus from XXXX through XXXX ), a second Capital XXXX tradeline reported inconsistently as either charged off or historically charged off with varying balances and differing last activity dates, First XXXX Bank accounts ending in XXXX reporting conflicting balances XXXX {$890.00} versus {$0.00} depending on bureau and inconsistent status reporting, a XXXX XXXX XXXX account XXXX reported as charged off with differing balances XXXX statuses, and reporting timelines across bureaus, XXXX XXXX accounts reported under varying identifiers such as XXXX, XXXX XXXX and XXXX with inconsistent status and account characterization, XXXX XXXX XXXX XXXX reporting late payments including XXXX delinquencies with differing last activity dates and inconsistent reporting timelines, XXXX accounts reported with inconsistent identifiers and reporting histories across bureaus, and XXXX XXXX XXXX XXXX reporting as closed with XXXX balance but inconsistent last activity dates across reports, all of which collectively demonstrate systemic discrepancies in payment history accuracy, balance reporting, delinquency timelines, account status classification ( open, closed, charged off, or late ), and overall data integrity across Experian , Equifax, and TransUnion ; therefore, I am requesting a comprehensive and good-faith reinvestigation of every listed tradeline with direct verification from each original furnisher, including full validation of payment histories, balance accuracy, charge-off status determinations, delinquency timelines, last activity dates, and complete account status reporting to ensure consistency and compliance across all three bureaus, along with correction or deletion of any information that can not be fully verified as accurate and complete.

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