Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
Subject : Continued Inaccurate Credit Reporting and FCRA XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX TransUnion Account # : XXXX * * * / Experian Account # : XXXX * * ) Dear CFPB, On XX/XX/year>, I formally submitted a complaint to the Consumer Financial Protection Bureau regarding an account being reported by XXXX XXXX XXXX XXXX to the credit bureaus XXXX and Experian. The disputed account is being reported under different account numbers across the XXXX bureaus : XXXX : Account # : XXXX * Experian : Account # : XXXX * Balance : {$20000.00} Discrepancies and FCRA Violations Despite this being a single debt, it is being reported under XXXX different account numbers, suggesting duplicate or inconsistent reporting, which is misleading and violates the XXXX requirement for accuracy ( 15 U.S.C. 1681e ( b ) ). 

Furthermore, the manner in which this account is being reported is factually inconsistent and appears in violation of the FCRA : The account is simultaneously listed as : XXXX XXXX XXXX due The reported past due amount is {$20000.00}, which is the full balance, yet the account is also reported as charged off, which would indicate the creditor no longer expects payment. 

These conflicting statuses are inaccurate and misleading, constituting a violation of FCRA 1681s-2 ( a ) and 1681i ( a ), which require that information furnished to credit bureaus be complete, accurate, and verifiedespecially after a dispute is submitted. 



Non-Response to Dispute As of XX/XX/year>, XXXX XXXX XXXX XXXX has not responded to the complaint filed with the CFPB, nor have they verified or validated the account per the requirements of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failing to investigate or respond to a consumer dispute within 30 days is a direct violation of the FCRA. 



Cease and Desist Demands Due to the failure to verify or validate the alleged debt, I hereby demand the following actions in compliance with federal law : 1. Immediate cessation of all collection activity related to this account ; 2. Immediate removal of all references to this account from my credit reports with Experian and XXXX  ; 3. Closure of this account and cessation of any future furnishing of data to the credit reporting agencies ; XXXX. If XXXX XXXX can not provide a copy of an original contract bearing my wet signature, this debt must be considered unverified and uncollectible. 



Applicable Laws Violated : 15 U.S.C. 1681e ( b ) Duty of credit bureaus to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Requirements after a consumer files a dispute.

15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed information.

15 U.S.C. 1681g and 1681h Duty to provide full information and allow a fair dispute process.

I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX XXXX complies with the FCRA. Their ongoing failure to verify this debt or correct the reporting errors is unlawful and harmful. 

Thank you for your 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