Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian / XXXX  / XXXX  Re : Request for Deletion of Inaccurate, Fraudulent, and Non-Compliant Accounts Under FCRA 602, 607 ( b ), 609, 611, 623 ; TILA Violations ; and Impermissible Charge-Off & Delinquency Reporting To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legality of the information you are reporting on my consumer file. The following accounts contain multiple factual inaccuracies, reporting contradictions, improper delinquency coding, TILA disclosure issues, and violations under the FCRA. Because these accounts are being furnished unlawfully and inaccurately, I am requesting immediate removal from my Experian, XXXX, and XXXX  credit files. 

ACCOUNTS TO BE DELETED 1. XXXX XXXX XXXX XXXX XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Status : 1 Late Payment ( Inaccurate ) Dispute Reasons Payment history shows only XX/XX/XXXX, but the account is being coded as having a late payment despite inconsistencies in reporting months. 


Dates of last payment ( XX/XX/XXXX ) conflict with reported delinquency. 


Violates FCRA 607 ( b ) information must be complete and accurate.

Creditor failed to provide required TILA disclosures for repayment terms despite reporting as a 72-month installment.

Requested Action : Delete the account from my credit file for inaccurate and unverifiable reporting. 

2. XXXX XXXX XXXX XXXX  Closed Credit Card Acct : XXXX Status : 1 Late Payment / Closed by Grantor Dispute Reasons Inconsistent reporting : status updated XX/XX/XXXX, but late payment reported XX/XX/XXXX despite no activity. 


Account reported as previously in dispute, which legally requires enhanced reinvestigation, yet inaccurate data remains violation of FCRA 611 ( a ). 


Payment history shows months marked XXXX, which is not a valid delinquency or payment indicator. 


Creditor failed to supply proper TILA disclosures for revolving terms. 


Requested Action : Permanent deletion from my credit file. 

3. XXXX XXXX XXXX  Charged Off Credit Card Acct : XXXX Status : Charge-Off / 9 Negative Months Dispute Reasons Payment history shows multiple incorrect and duplicate delinquencies ( 30, 60, 90, CO ) that do not align with actual activity. 


Report lists the last payment in XX/XX/XXXX, yet delinquency coding begins much earlier impossible timeline. 


Balance, past due amount, and charge-off amount are all listed as the same, violating FCRA 623 ( a ) ( 1 ) ( A ) for accuracy.

Failure to provide evidence of TILA-required disclosures and account terms.

Account closed by credit grantor conflicts with the charge-off coding.

Requested Action : Full deletion from the file. 

4. XXXX XXXX Charge-Off Acct : XXXX Status : Charge-Off / 12 Negative Months Dispute Reasons Timeline of delinquencies ( CO each month ) is not possible and not supported by payment history data.

Highest balance not reported incomplete data violates FCRA 607 ( b ).

Past due amount and balance inconsistencies.

Missing TILA disclosures required for open account credit arrangements.

No documentation verifying the debt as required under FCRA 609 ( a ) ( 1 ).

Requested Action : Delete immediately for unverifiable and inaccurate reporting.

5. XXXX XXXX XXXX XXXX XXXX Revolving Account ( Closed ) Acct : XXXX Status : Charge-Off / 4 Late Payments Dispute Reasons Same erratic delinquency pattern as the other First Tech account, signifying systemic reporting errors.

Past due, current balance, and charged-off amount all appear simultaneously not permissible under FCRA guidelines .

Dates conflict with the last payment of XX/XX/XXXX. 


TILA terms missing for revolving credit. 


Requested Action : Remove due to inconsistent, inaccurate reporting in violation of FCRA 602A, 623 ( a ).

6. XXXX XXXX / XXXX XXXX Collection Account Acct : XXXX Status : Collection Dispute Reasons Account shows 0 % paid off but balance is still reported as owed, contradicting payment timeline history. 


Status and comments conflict ( Collection vs. no delinquency coding ).

Creditor failed to validate debt under FCRA 609 & FDCPA 809 ( b ). 


Account opened in XXXX yet shows historical months ( Cs ) inconsistent with actual activity.

Requested Action : Delete immediately. Data is unverifiable and inaccurate.

7. XXXX XXXX XXXX  Revolving Account ( Open TransUnion ) Acct : XXXX Status : 120 Days Past Due Dispute Reasons Duplicate account reporting under different bureau versions double jeopardy reporting violation. 


Payment history conflicts with last payment date ( XX/XX/XXXX ). 


Credit limit vs. balance exceeds allowable reporting limits under TILA.

Inconsistent late-payment coding ( 30, 60, 90 ) across the same months.

Requested Action : Delete due to inaccurate and duplicative reporting.

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