Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute the continued reporting of the XXXX XXXX account on my credit reports with both Experian and Equifax. This account contains outdated and inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). I request immediate action from both agencies to investigate and delete this account from my credit reports.

Key Issues Outdated Negative Information ( FCRA 1681c ) : The XXXXXXXX XXXX account was opened on XX/XX/year>, which is more than 7 years ago. Under FCRA 1681c ( a ) ( 4 ), negative information such as charge-offs or delinquencies must not be reported beyond 7 years from the date of first delinquency.

This account is now outside the permissible reporting period and should no longer appear on either of my credit reports. 

High Balance Discrepancy : Experian reports a high balance of {$15000.00}, while Equifax reports a high balance of {$9100.00} for the same account. This inconsistency demonstrates a failure to ensure maximum possible accuracy as required under FCRA 1681e ( b ). 

XXXX Deletion : XXXX has already deleted this account following their investigation into its accuracy. Their decision to remove the account underscores that it is either unverifiable, inaccurate, or outdated. Under FCRA 1681i ( a ) ( 5 ) ( A ), if one bureau determines an account is unverifiable or inaccurate, it is reasonable to expect other bureaus to follow suit.

Failure to Conduct Reasonable Investigations ( FCRA 1681i ) : Both Experian and Equifax have failed to properly investigate my previous disputes regarding this account. The continued reporting of outdated and inconsistent information suggests noncompliance with FCRA-mandated investigation standards. 

Requested Actions I respectfully request that both Experian and Equifax : Immediately delete the XXXX XXXX account from my credit reports as it violates FCRA 1681c ( a ) ( 4 ) regarding outdated information.

Provide documentation verifying the accuracy of this account, including : The date of first delinquency.

Proof that the debt is within the permissible reporting period.

Investigate and address all discrepancies in the reported high balance amount and ensure compliance with FCRA 1681e ( b ).

Confirm in writing that this account has been removed from my credit reports or provide a detailed explanation for its continued reporting. 

Conclusion The continued reporting of this outdated and inconsistent information by both agencies is causing harm to my creditworthiness and financial opportunities. I urge Experian and Equifax to comply with federal law by removing this account promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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