Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXI have received a current credit report from your organization. Right after judging the various records, it is clear that the following accounts appear with no regard for accuracy as necessary by the Fair Credit Reporting Act. Also, please check the discrepancies below and fix them, so all the parameters are the same across Equifax, Experian, and Transunion as REQUIRED by the Metro 2 System, or delete the derogatory item(s). Here are some key points from the FCRA relevant to enforcing consistent parameters: 1. Accuracy of Information: The FCRA mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. This implicitly requires some degree of standardization. 2. Reinvestigation of Disputed Information: When consumers dispute the accuracy of information in their credit reports, the credit bureaus are required to reinvestigate and correct any inaccuracies. XXXX  account identifiers, like Account IDs, facilitate this process and help maintain consistency. 3. Data Furnishers Requirements: The FCRA imposes duties on entities that furnish information to the credit bureaus. Data furnishers must provide complete and accurate information and adopting standardized parameters would assist in maintaining compliance. 4. Consumer Disclosures: The FCRA grants consumers the right to see the information in their credit files. Consistent reporting formats across credit bureaus make it easier for consumers to understand and verify their information. Transunion Experian Equifax Creditor's Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff Late 120 Days Type of Loan Collection Equifax Transunion Experian Creditor's Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Loan Collection Experian Experian Equifax Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff Collection/Chargeoff Late 120 Days Collection/Chargeoff Type of Loan Credit Card Unknown - credit extension, review, or collection Collection Transunion Experian Equifax Creditor's Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Experian Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Experian Equifax Experian Equifax Transunion Creditor's Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Late 120 Days Collection/Chargeoff Type of Loan Credit Card Credit Card Unknown - credit extension, review, or collection Collection Transunion Experian Equifax Creditor's Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of Loan Charge account Charge account Creditor Information: XXXX XXXX XXXX XXXX XXXX XXXX  This account was reported as a collection, but I don't recall it, so I am asking that you inquire the creditor if they have a signed contract or paper from me. Unless this paper is produced or the account is unverifiable, I required to update my credit report and remove this negative. I am actually worried about the consequences of this error because I am in the procedure of asking for a loan. I politely request some instrument that has my signature on this account or the items should be deleted from your report during the next 30 days. Under federal law, you have thirty (30) days to finish your investigation. Also, be advised that the description of the process employed to ascertain the accuracy and completeness of the information and facts is hereby requested as well, to be supplied within fifteen (15) days of the completion of your investigation"

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