Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dimas, CA XXXX XXXX, XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Immediate Deletion of Inaccurate Citi and XXXX Accounts from My Credit Report Dear Equifax , Experian and Transunion, I am writing to formally dispute two accounts currently listed inaccurately on my Equifax, Experian and Transunion credit report : XXXX ( Account # XXXX ) and XXXX ( Account # XXXX ). These accounts contain numerous inaccuracies, clearly violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandating maximum possible accuracy of information on credit reports. 

Detailed reasons for removal : XXXX Account ( # XXXX ) ** : Date Opened discrepancies : Experian reports XX/XX/XXXX, Equifax reports XX/XX/XXXX, violating accuracy standards. 

Balances and High Credit discrepancies : Experian reports Balance {$11000.00}, High Credit {$9500.00} ; Equifax reports Balance {$10000.00}, High Credit {$9000.00}. This inconsistency indicates unreliable data. 

Past Due Amount discrepancy : Experian reports {$7000.00} while Equifax reports none, another critical accuracy violation.

Date Last Active discrepancy : Experian reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. These discrepancies confirm failure to maintain accurate and consistent records. 

XXXX Account ( # XXXX ) ** : Date Opened discrepancy : TransUnion reports XX/XX/XXXX, whereas Experian and Equifax report XX/XX/XXXX, raising questions of accurate reporting. 

Date Last Active discrepancies : TransUnion reports XX/XX/XXXX, Experian XX/XX/XXXX, and Equifax XX/XX/XXXX, clearly violating FCRA guidelines by presenting inconsistent account activity. 

Date of Last Payment discrepancies : Experian reports XX/XX/XXXX, Equifax XX/XX/XXXX, and TransUnion provides no data. Such discrepancies further violate mandated accuracy standards.

According to FCRA, specifically under 15 U.S.C. 1681c ( a ) ( 4 ), negative information must be removed from consumer reports no later than seven years from the date of first delinquency. Given the age of these accounts and the inaccuracies present, both clearly qualify for removal.

I have previously disputed these inaccuracies directly through Equifax, Experian and Transunion as well as through complaints filed with the Consumer Financial Protection Bureau ( CFPB ), highlighting your continued non-compliance and violations of my consumer rights under the FCRA. 

Equifax, Experian and Transunion is required to delete inaccurate or unverifiable information immediately upon notice. This letter serves as formal notice. Due to repeated inaccuracies and your inability to ensure maximum accuracy, I request immediate deletion of both XXXX and XXXX accounts from my Equifax, Experian and Transunion credit report. 

Please provide written confirmation of the deletion to the address above within 30 days as required by law. 

Thank you for your prompt attention to this serious 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