Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for their collective failure to conduct legally sufficient investigations into multiple inaccurate accounts on my credit reports, as required by the Fair Credit Reporting Act ( FCRA ). Their actions constitute willful non-compliance and are causing me direct financial harm. 

On or around XX/XX/year>, I exercised my rights under the FCRA by submitting formal disputes to all three credit bureaus. In my disputes, I identified specific and verifiable errors on several accounts, including technically impossible payment histories, contradictory data reported across the different bureaus, and a lack of legally required documentation for charged-off accounts. 

In response, all three credit bureaus sent me notices claiming the disputed information had been " verified. '' However, none of them provided any substantive documentation or evidence to support this claim. They failed to address the specific, technical violations I raised, instead relying on merely " parroting '' the inaccurate information back from the data furnishers. This procedural failure does not meet the legal standard of a " reasonable investigation '' established in the FCRA and affirmed in cases like XXXX XXXX XXXX XXXX 

The inaccuracies on my reports are severe and demonstrate a systemic failure of data integrity. 

First, there are blatant cross-bureau inconsistencies. The accounts for XXXX XXXX XXXX Account Number XXXX and XXXX XXXX Account Number XXXX report conflicting payment histories, balances, and dates across my Experian, Equifax, and TransUnion reports. It is a factual impossibility for all three reports to be accurate at the same time, which proves that inaccurate information is being furnished and reported in violation of the FCRA. 

Second, there is a technically impossible reporting error on my Experian report. The XXXXXXXX XXXX  Account Number XXXX reports a payment history that includes " OK '' statuses after the account was already marked as a " Charge-Off. '' This is a direct violation of the Metro-2 reporting standard, which does not permit an account to revert to a positive status after being charged off. This error makes the entire tradeline fundamentally unreliable and inaccurate. 

Third, for the charged-off accounts, including XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX  Account Number XXXX, the credit bureaus failed to produce mandatory IRS documentation during their investigation. Under Internal Revenue Code Section 6050P, a creditor is required to file an IRS Form 1099-C when a debt of XXXX dollars or more is cancelled. Their inability to provide this form for these charge-offs means they can not verify the legal status and accuracy of these derogatory accounts.

By failing to correct these obvious errors, the credit bureaus are violating multiple federal laws : FCRA Section 611 is violated because the bureaus failed to conduct a reasonable investigation. They ignored the specific evidence I provided and simply accepted the furnisher 's flawed verification. 

FCRA Section 623a1A is violated by the data furnishers for reporting contradictory and inaccurate information, and the bureaus have failed to hold them accountable.

FCRA Section 611e is violated because the bureaus are not following reasonable procedures to assure the maximum possible accuracy of the information in my credit files. 

The continued reporting of this inaccurate information is damaging my creditworthiness, limiting my access to financial products, and causing me significant personal and financial stress.

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