Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Complaint Title : Ongoing Reporting of Inaccurate and Inconsistent Data by XXXX XXXX XXXX Failure to Remove After Multiple Disputes Complaint Date : XX/XX/XXXX Credit Bureaus : Experian and Equifax Furnisher : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Summary of Complaint This is a formal complaint regarding the continued reporting of inaccurate, inconsistent, and unverifiable information by XXXX XXXX XXXX, as reflected on my Experian and Equifax credit reports. Despite submitting disputes through both bureaus, this account remains on file and continues to report errors. 

Key Discrepancies and Violations XXXX. Inconsistent Account Type  Experian and Equifax are reporting different account types. 
Experian : Open Account | Account Type Detail : Unknown - Credit Extension, Review, or Collection Equifax : Open Account | Account Type Detail : Collection This inconsistency creates confusion and misrepresents the nature of the account. 

FCRA Violation : 607 ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

2. Date of Last Activity ( DLA ) Mismatch Experian reports : XX/XX/XXXX Equifax reports : XX/XX/XXXX No documentation has been provided to justify these conflicting dates. This alters the statute of limitations and appears to re-age the debt. 

FCRA Violations : 623 ( a ) ( 2 ) : Duty to correct and update information 623 ( a ) ( 1 ) ( A ) : Reporting information with actual knowledge or reasonable cause to believe it is inaccurate 3. Misleading Payment History Equifax shows all OK payments from XX/XX/XXXX to XX/XX/XXXX despite simultaneously marking the account as Late 120 Days and in Collection. 
This is contradictory and misleading to creditors and credit scoring models.

FCRA Violation : 607 ( b ) : Failure to ensure consistency and integrity of payment reporting.

4. Failure to Properly Investigate and Delete After Dispute This account has already been disputed multiple times with supporting documentation, yet both Experian and Equifax continue to verify it as accurate.

No signed contract or proof of debt has ever been produced in response to my requests.

FCRA Violations : 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation 611 ( a ) ( 5 ) ( A ) : Failure to delete disputed information not verified as accurate 623 ( b ) : Furnishers failure to fully investigate and report results 5. Recent CFPB Enforcement Against Equifax I would like to draw attention to the CFPBs {$15.00} XXXX enforcement action against Equifax in XXXX for systematic failure to conduct proper investigations and for continuing to report inaccurate data even after disputes. The same conduct is evident in this case. 

CFPB Reference : XXXX Enforcement Action Equifax FCRA Violations and Improper Investigations Requested Resolution I respectfully request the immediate deletion of the XXXX XXXX XXXX account from both Experian and Equifax credit reports based on : The continued reporting of inconsistent and unverifiable information The lack of proper investigation and supporting documentation The violation of multiple provisions under the FCRA and CFPB standards Thank you for your assistance and attention to this matter.

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