Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am submitting this complaint regarding the continued reporting of inaccurate, misleading, and unverifiable information on my credit reports across all three major credit bureaus. Despite submitting prior disputes to TransUnion, Experian, and Equifax, I have received only vague responses indicating that the accounts were verified as accurate. However, no actual documentation has been provided, nor have I been furnished with the method of verification, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts remain in dispute and continue to damage my credit profile : XXXX XXXX - Multiple entries are being reported under the same account number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) but with different balances across TransUnion and Experian. These appear to be duplicate entries for the same debt, which is misleading and unlawful. Despite my dispute, no documentation or proper verification process has been shared. 
XXXX XXXX XXXX  - This creditor is reporting XXXX different balances ( {$1100.00} and {$590.00} ) under the same account number across all three credit bureaus. This contradiction raises serious concerns about the accuracy of the information being reported and the integrity of the reinvestigation process. 
XXXX XXXX  ( XXXX  ) - This account is being reported as charged-off with a balance of {$51.00} by TransUnion and Experian, even though it has already been disputed. The item remains derogatory, and no proof of verification or reinvestigation process has been disclosed. 
XXXX XXXX - This account continues to report as derogatory on all three credit bureaus. I disputed this account in writing, yet the only response I received was a generic verified as accurate note with no supporting documentation, no contract, and no account-level verification. 
Under FCRA Sections 609 ( a ) ( 1 ), 611 ( a ), and 623 ( b ), I have the right to : A full explanation of the procedures used during the reinvestigation The name and contact details of the furnisher who verified the data Copies of any documentation relied upon in the verification process None of these rights have been honored. The credit bureaus have failed to perform a reasonable reinvestigation or produce any documentation that proves these accounts are accurate, verifiable, or legally reportable. 

I am requesting that these accounts be either : Immediately deleted from my credit reports due to failure to verify under the FCRA, Or that I am provided with full documentation and a detailed explanation of the reinvestigation process as required by law. 
Failure to act will result in further escalation, including formal complaints with the CFPB, FTC, and California Attorney General 's Office, as well as potential legal action for damages under FCRA 616 and 617. 

Sincerely, XXXX 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