Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
AFFIDAVIT OF FACT & DISPUTE OF INACCURATE CREDIT REPORTING ( State of XXXX XXXX of XXXX ) I, XXXX XXXX XXXX, being duly sworn, state the following : XXXX. PERSONAL INFORMATION I am a resident of XXXX XXXX, Illinois. My full legal name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX, XXXX XXXX, IL XXXX. The credit reports reviewed were issued on XX/XX/XXXX by TransUnion, Experian, and Equifax. 
XXXX. PURPOSE OF AFFIDAVIT This affidavit is submitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate, incomplete, inconsistent, or unverifiable negative information that is being reported by various furnishers to the consumer reporting agencies. 
I am exercising my rights under : FCRA 1681i Reinvestigation of Disputed Information FCRA 1681e ( b ) Duty to Ensure Maximum Possible Accuracy FCRA 1681s2 Furnisher Responsibilities FCRA 1681c Obsolete Information 3. DISPUTED ACCOUNTS ( DETAILED ) Below are the accounts reported inaccurately and requiring deletion : XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX Issues : Inconsistent status reporting : TU/EQ list charge-off ; EX lists current but previously past due. 
Past-due amounts differ across bureaus. 
Payment history discrepancies. 
Violates 1681e ( b ) due to conflicting data. 
XXXX XXXXXXXX XXXX XXXX XXXX  ACCT XXXX Issues : Balance reported double the high credit, appears mathematically impossible. 
Experian shows continuous charge-off months suggesting re-aging, prohibited by 623 ( a ) ( 5 ). 
Missing validation and inconsistent dates of last activity. 
XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXX Issues : Conflicting Date Last Active across bureaus. 
Payment history does not match between bureaus. 
Unverifiable status. 
Must be deleted if unverifiable under 1681i ( a ) ( 5 ). 
XXXX XXXX ( XXXX XXXX  ) CHARGE-OFF ACCT XXXX Issues : Past-due equal to total balance with no updated activity. 
No updated verification for years. 
Inconsistent reporting on high credit. 
Violates accuracy requirements under 1681e ( b ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues : Duplicate/overlapping accounts indicating a mixedfile error. 
Conflicting last payment dates. 
Multiple accounts reporting different versions of the same line of credit. 
Mixed-file issues violate 1681e ( b ). 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) ACCT XXXX Issues : Repeated charge-off coding appearing as re-aging. 
No proof of debt assignment. 
Contradictory payment status between Experian and Equifax. 
Unverifiable account, requiring deletion under 1681i ( a ) ( 5 ). 
XXXX. LEGAL BASIS FOR REQUESTED DELETIONS Under the FCRA : If furnishers fail to verify information, it must be removed ( 1681i ). 
CRAs must ensure accuracy ; conflicting information is legally considered inaccurate ( 1681e ( b ) ).

Re-aged accounts or inconsistent dates violate 623 ( a ) ( 5 ). 
Unverified, outdated, or incomplete data must be deleted. 
XXXX. DEMAND FOR ACTION I hereby demand : Immediate deletion of all above-listed inaccurate items. 
A full reinvestigation within 30 days as required by law. 
Copies of any documentation used to verify these items. 
Confirmation in writing once deletions are completed. 
XXXX. STATEMENT OF TRUTH I affirm under penalty of perjury that the facts stated herein are true and correct to the best of my knowledge. 
______________________________________ Signature of Consumer XXXX XXXX XXXX Date : _______________________ XX/XX/XXXX NOTARY SECTION VirginiaState of Illinois XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Subscribed and sworn before me on this _____ day of ____________, XXXX. 
______________________________________ XXXX XXXX XX/XX/XXXX My Commission Expires : __________________ Notarized remotely online using communication technology via Proof.

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