Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint because the credit bureaus and several furnishers are reporting information on my consumer credit files that is inaccurate, unverifiable, contradictory across different bureaus, tied to billing errors, and in some cases the result of identity theft. I have disputed these items directly with the credit bureaus, submitted supporting documents including my FTC Identity Theft Reports, and provided detailed explanations of the errors, yet the bureaus have continued to verify and publish information that is not accurate and does not comply with the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), or XXXX reporting standards. 

Many of these accounts contain factual conflicts, incorrect late-payment histories, inconsistent account classifications, mismatched dates, different high-balance amounts, contradictory closure remarks, and other data errors that make the information unreliable and legally unverifiable. In several cases, XXXX or more bureaus have already deleted the accounts because they could not be verified, while the remaining bureaus continue to report the exact same accounts with different and conflicting information. This proves that the information is not accurate and can not be certified under FCRA 1681e ( b ) or 1681i. 

I have also submitted valid FTC Identity Theft Reports ( Report Numbers XXXX and XXXX ) confirming unauthorized use of my personal identification information. Certain tradelinesspecifically several XXXX XXXX  and XXXX accountswere opened without my authorization, and the bureaus have been given my FTC reports and supporting documents. Under 15 U.S.C. 1681c-2, the bureaus are required to block these accounts within XXXX business days, but they have failed to do so. 

Below are the accounts I disputed, the exact issues with each, and why the information is inaccurate or unverifiable : XXXX XXXX XXXX XXXX XXXX This account shows conflicting data across all three credit bureaus. The opening dates do not match, the closing dates do not match, the balance history is inconsistent, and the closure remarks are different ( closed by credit grantor on XXXX bureau but closed due to inactivity on another ). These factual contradictions violate FCRA 1681i and XXXX standards, which require complete, uniform, and consistent reporting of all tradeline fields. Because the information can not be verified consistently across bureaus, it must be deleted. 

XXXX XXXX XXXX XXXX This account was reported as closed with a XXXX balance. XXXX  reports the account correctly as closed with no delinquencies, but Experian has coded the exact same account as negative, even though there is no past-due history and no charge-off event. This inconsistency violates FCRA 607 ( b ) and 623 ( a ) ( 1 ), because Experian is reporting information that is misleading, incomplete, and does not match the actual status of the account. Under FCRA, if the bureaus can not agree on the basic status of the account, the information must be deleted. 

XXXX XXXX XXXX XXXX This is another account where the bureaus disagree completely. XXXX  reports this account as an auto loan while Experian reports it as a lease. The bureaus also show different high-balance amounts and different late-payment histories. Under XXXX, account type, payment history, and high balance are required fields and must match across all bureaus. These discrepancies make the information unverifiable under FCRA 1681i ( a ). Unless the furnisher provides complete payment-posting records and the original contract showing the correct account type, the account must be deleted. 

XXXX XXXX  All listed accounts ( XXXX, XXXX, XXXX, XXXX ) I did not authorize these accounts. My FTC Identity Theft Reports clearly confirm that these XXXX accounts were opened using my information without my knowledge or permission. These accounts also contain inconsistent reporting across bureaus, including different balances, different late-payment buckets, different charge-off codes, and different dates of XXXX  delinquency. Under 15 U.S.C. 1681c-2, these fraudulent accounts must be blocked. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from supplying information they know or should know is inaccurate. Under FCRA 1681i, the bureaus are obligated to reinvestigate and delete any item they can not verify. These XXXX accounts must therefore be permanently deleted from all credit bureau files. 

XXXX XXXX All listed accounts ( XXXX, XXXX, XXXX ) These accounts were also opened without my authorization and are tied to the same identity theft incident documented in my FTC reports. The bureaus report these accounts inconsistentlysome label them as revolving credit cards, others label them as collection accounts or charge-offs. The balances do not match across bureaus, and the dates of activity, delinquency, and closure are inconsistent. These discrepancies violate XXXX formatting requirements and render the information unverifiable. Under 15 U.S.C. 1681c-2, these accounts must be blocked and removed. 

XXXX XXXX XXXX This account contains late-payment sequences that violate the Fair Credit Billing Act because I did not receive proper billing statements, corrections, or written billing-error investigation results. The delinquency aging is inconsistent across bureaus and does not match the payment cycle. Under FCBA 1666 and FCRA 1681e ( b ), this information can not be reported without proper validation and must be deleted. 

XXXX XXXX XXXX XXXX This account shows late-payment buckets that are chronologically impossible and do not match the dates of activity or closure. The payment history violates XXXX because the delinquency sequence does not follow a valid progression. The creditors never completed a valid FCBA billing-error investigation before reporting these late payments. Under FCBA and FCRA, these late payments can not be reported. 

XXXX XXXX XXXX XXXX This account contains contradictions in late-payment reporting and charge-off status. The bureaus report different dates of last activity, different balances, and different delinquency histories. Experian lists the account as charged off while Equifax lists it as repossessed. Under XXXX, repossession and charge-off can not be reported for the same billing cycle unless the documentation precisely matches the delinquency timeline. These contradictions make the account unverifiable under FCRA 1681i. 

XXXX XXXX XXXX XXXX This account also contains major inconsistencies, including Experian coding the account as lease while Equifax codes it as auto loan, different high-balance amounts, different dates of last payment, and conflicting delinquency histories. This violates the FCRAs maximum-accuracy requirement. 

Across all of these accounts, I repeatedly requested : Documentation of ownership Signed contracts Billing-error investigation records Payment-posting logs Permissible-purpose evidence Verification of identity for each account None of this was provided by the credit bureaus or the furnishers.

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