Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company : Experian Information Solutions , Inc . 
Product : Credit reporting Issue : Incorrect information on credit report / Failure to maintain reasonable procedures to ensure maximum possible accuracy Complaint Narrative I am submitting this complaint against Experian Information Solutions , Inc. for inaccurate credit reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Experian is currently reporting a collection account from XXXX XXXX XXXX on my credit report. However, Equifax and TransUnion have both removed this same collection account, determining it to be inaccurate, unverifiable, or otherwise not legally reportable. 

This creates a clear and material inter-bureau discrepancy, which demonstrates that Experian is not maintaining reasonable procedures to assure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). 

Further, Experian has previously deleted other collection accounts from my credit report, proving that Experians reporting history on my file has contained inaccuracies. Despite this, Experian continues to report this XXXX XXXX XXXX collection without providing any documentation or evidence that the account is accurate, valid, or legally reportable. 

Because the same alleged debt is not being reported by XXXX XXXX XXXX, Experians continued reporting is objectively unreliable and misleading to creditors, lenders, and other users of my consumer report. 



Violations of Federal Law Experians actions constitute violations of the Fair Credit Reporting Act, including but not limited to : 1. 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer information. 
2. 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation when information is disputed or when accuracy is questionable. 
3. 15 U.S.C. 1681c ( a ) Reporting information that may no longer be legally reportable or that can not be properly verified. 
4. Misrepresentation of Creditworthiness Continuing to report a collection account that other national credit reporting agencies have determined should be removed materially harms my credit profile and falsely portrays my credit risk. 



Harm Caused Experians inaccurate reporting has caused : Artificial suppression of my credit score Increased difficulty obtaining credit and favorable terms Ongoing reputational and financial harm Credit reports must be accurate, complete, and consistent. Experians reporting fails this standard. 


I previously disputed the inaccurate collection account with Experian. Despite my dispute and supporting evidence, Experian continues to report the XXXX XXXX XXXX collection inaccurately. The issue remains unresolved. 

XXXX XXXX XXXX have removed this same collection, confirming the inaccuracy of Experians 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